<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:e348da37-752d-427e-a218-49bfe1b6be1a,g:f9877a5e-9461-4be0-9670-a47bf0a0604d-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:ing="http://www.ing.com/20231231" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types1="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.ing.com/20231231">
  <xs:import namespace="http://fasb.org/srt/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd"/>
  <xs:import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/country/2023" schemaLocation="https://xbrl.sec.gov/country/2023/country-2023.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/currency/2023" schemaLocation="https://xbrl.sec.gov/currency/2023/currency-2023.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd"/>
  <xs:import namespace="https://xbrl.ifrs.org/taxonomy/2023-03-23/ifrs-full" schemaLocation="https://xbrl.ifrs.org/taxonomy/2023-03-23/full_ifrs/full_ifrs-cor_2023-03-23.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ing-20231231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ing-20231231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ing-20231231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ing-20231231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="Cover" roleURI="http://www.ing.com/role/Cover">
        <link:definition>0000001 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AuditInformation" roleURI="http://www.ing.com/role/AuditInformation">
        <link:definition>0000002 - Document - Audit Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Consolidatedstatementoffinancialposition" roleURI="http://www.ing.com/role/Consolidatedstatementoffinancialposition">
        <link:definition>0000003 - Statement - Consolidated statement of financial position</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Consolidatedstatementofprofitorloss" roleURI="http://www.ing.com/role/Consolidatedstatementofprofitorloss">
        <link:definition>0000004 - Statement - Consolidated statement of profit or loss</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Consolidatedstatementofprofitorloss_1" roleURI="http://www.ing.com/role/Consolidatedstatementofprofitorloss_1">
        <link:definition>0000004 - Statement - Consolidated statement of profit or loss</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Consolidatedstatementofcomprehensiveincome" roleURI="http://www.ing.com/role/Consolidatedstatementofcomprehensiveincome">
        <link:definition>0000005 - Statement - Consolidated statement of comprehensive income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Consolidatedstatementofcomprehensiveincome_1" roleURI="http://www.ing.com/role/Consolidatedstatementofcomprehensiveincome_1">
        <link:definition>0000005 - Statement - Consolidated statement of comprehensive income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Consolidatedstatementofchangesinequity" roleURI="http://www.ing.com/role/Consolidatedstatementofchangesinequity">
        <link:definition>0000006 - Statement - Consolidated statement of changes in equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Consolidatedstatementofcashflows" roleURI="http://www.ing.com/role/Consolidatedstatementofcashflows">
        <link:definition>0000007 - Statement - Consolidated statement of cash flows</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedstatementofcashflowsParenthetical" roleURI="http://www.ing.com/role/ConsolidatedstatementofcashflowsParenthetical">
        <link:definition>0000008 - Statement - Consolidated statement of cash flows (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Riskmanagement" roleURI="http://www.ing.com/role/Riskmanagement">
        <link:definition>0000009 - Disclosure - Risk management</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Basisofpreparationandsignificantaccountingpolicies" roleURI="http://www.ing.com/role/Basisofpreparationandsignificantaccountingpolicies">
        <link:definition>0000010 - Disclosure - Basis of preparation and significant accounting policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Cashandbalanceswithcentralbank" roleURI="http://www.ing.com/role/Cashandbalanceswithcentralbank">
        <link:definition>0000011 - Disclosure - Cash and balances with central bank</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Loansandadvancestobanks" roleURI="http://www.ing.com/role/Loansandadvancestobanks">
        <link:definition>0000012 - Disclosure - Loans and advances to banks</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Financialassetsatfairvaluethroughprofitorloss" roleURI="http://www.ing.com/role/Financialassetsatfairvaluethroughprofitorloss">
        <link:definition>0000013 - Disclosure - Financial assets at fair value through profit or loss</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Financialassetsatfairvaluethroughothercomprehensiveincome" roleURI="http://www.ing.com/role/Financialassetsatfairvaluethroughothercomprehensiveincome">
        <link:definition>0000014 - Disclosure - Financial assets at fair value through other comprehensive income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Debtsecurities" roleURI="http://www.ing.com/role/Debtsecurities">
        <link:definition>0000015 - Disclosure - Debt securities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Loansandadvancestocustomers" roleURI="http://www.ing.com/role/Loansandadvancestocustomers">
        <link:definition>0000016 - Disclosure - Loans and advances to customers</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Investmentinassociatesandjointventures" roleURI="http://www.ing.com/role/Investmentinassociatesandjointventures">
        <link:definition>0000017 - Disclosure - Investment in associates and joint ventures</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Propertyandequipment" roleURI="http://www.ing.com/role/Propertyandequipment">
        <link:definition>0000018 - Disclosure - Property and equipment</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Intangibleassets" roleURI="http://www.ing.com/role/Intangibleassets">
        <link:definition>0000019 - Disclosure - Intangible assets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Otherassets" roleURI="http://www.ing.com/role/Otherassets">
        <link:definition>0000020 - Disclosure - Other assets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Depositsfrombanks" roleURI="http://www.ing.com/role/Depositsfrombanks">
        <link:definition>0000021 - Disclosure - Deposits from banks</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Customerdeposits" roleURI="http://www.ing.com/role/Customerdeposits">
        <link:definition>0000022 - Disclosure - Customer deposits</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Financialliabilitiesatfairvaluethroughprofitorloss" roleURI="http://www.ing.com/role/Financialliabilitiesatfairvaluethroughprofitorloss">
        <link:definition>0000023 - Disclosure - Financial liabilities at fair value through profit or loss</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Provisions" roleURI="http://www.ing.com/role/Provisions">
        <link:definition>0000024 - Disclosure - Provisions</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Otherliabilities" roleURI="http://www.ing.com/role/Otherliabilities">
        <link:definition>0000025 - Disclosure - Other liabilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Debtsecuritiesinissue" roleURI="http://www.ing.com/role/Debtsecuritiesinissue">
        <link:definition>0000026 - Disclosure - Debt securities in issue</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Subordinatedloans" roleURI="http://www.ing.com/role/Subordinatedloans">
        <link:definition>0000027 - Disclosure - Subordinated loans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Equity" roleURI="http://www.ing.com/role/Equity">
        <link:definition>0000028 - Disclosure - Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Netinterestincome" roleURI="http://www.ing.com/role/Netinterestincome">
        <link:definition>0000029 - Disclosure - Net interest income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Netfeeandcommissionincome" roleURI="http://www.ing.com/role/Netfeeandcommissionincome">
        <link:definition>0000030 - Disclosure - Net fee and commission income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Valuationresultsandnettradingincome" roleURI="http://www.ing.com/role/Valuationresultsandnettradingincome">
        <link:definition>0000031 - Disclosure - Valuation results and net trading income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Investmentincome" roleURI="http://www.ing.com/role/Investmentincome">
        <link:definition>0000032 - Disclosure - Investment income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Othernetincome" roleURI="http://www.ing.com/role/Othernetincome">
        <link:definition>0000033 - Disclosure - Other net income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Staffexpenses" roleURI="http://www.ing.com/role/Staffexpenses">
        <link:definition>0000034 - Disclosure - Staff expenses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Otheroperatingexpenses" roleURI="http://www.ing.com/role/Otheroperatingexpenses">
        <link:definition>0000035 - Disclosure - Other operating expenses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Auditfees" roleURI="http://www.ing.com/role/Auditfees">
        <link:definition>0000036 - Disclosure - Audit fees</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Earningsperordinaryshare" roleURI="http://www.ing.com/role/Earningsperordinaryshare">
        <link:definition>0000037 - Disclosure - Earnings per ordinary share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Dividendperordinaryshare" roleURI="http://www.ing.com/role/Dividendperordinaryshare">
        <link:definition>0000038 - Disclosure - Dividend per ordinary share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Segments" roleURI="http://www.ing.com/role/Segments">
        <link:definition>0000039 - Disclosure - Segments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Informationongeographicalareas" roleURI="http://www.ing.com/role/Informationongeographicalareas">
        <link:definition>0000040 - Disclosure - Information on geographical areas</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Changesinliabilitiesarisingfromfinancingactivities" roleURI="http://www.ing.com/role/Changesinliabilitiesarisingfromfinancingactivities">
        <link:definition>0000041 - Disclosure - Changes in liabilities arising from financing activities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Pensionsandotherpostemploymentbenefits" roleURI="http://www.ing.com/role/Pensionsandotherpostemploymentbenefits">
        <link:definition>0000042 - Disclosure - Pensions and other post-employment benefits</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Taxation" roleURI="http://www.ing.com/role/Taxation">
        <link:definition>0000043 - Disclosure - Taxation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Fairvalueofassetsandliabilities" roleURI="http://www.ing.com/role/Fairvalueofassetsandliabilities">
        <link:definition>0000044 - Disclosure - Fair value of assets and liabilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Derivativesandhedgeaccounting" roleURI="http://www.ing.com/role/Derivativesandhedgeaccounting">
        <link:definition>0000045 - Disclosure - Derivatives and hedge accounting</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Assetsbycontractualmaturity" roleURI="http://www.ing.com/role/Assetsbycontractualmaturity">
        <link:definition>0000046 - Disclosure - Assets by contractual maturity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Liabilitiesandoffbalancesheetcommitmentsbymaturity" roleURI="http://www.ing.com/role/Liabilitiesandoffbalancesheetcommitmentsbymaturity">
        <link:definition>0000047 - Disclosure - Liabilities and off-balance sheet commitments by maturity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Transferoffinancialassetsassetspledgedandreceivedascollateral" roleURI="http://www.ing.com/role/Transferoffinancialassetsassetspledgedandreceivedascollateral">
        <link:definition>0000048 - Disclosure - Transfer of financial assets, assets pledged and received as collateral</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Offsettingfinancialassetsandliabilities" roleURI="http://www.ing.com/role/Offsettingfinancialassetsandliabilities">
        <link:definition>0000049 - Disclosure - Offsetting financial assets and liabilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Contingentliabilitiesandcommitments" roleURI="http://www.ing.com/role/Contingentliabilitiesandcommitments">
        <link:definition>0000050 - Disclosure - Contingent liabilities and commitments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Legalproceedings" roleURI="http://www.ing.com/role/Legalproceedings">
        <link:definition>0000051 - Disclosure - Legal proceedings</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Consolidatedcompaniesandbusinessacquiredanddivested" roleURI="http://www.ing.com/role/Consolidatedcompaniesandbusinessacquiredanddivested">
        <link:definition>0000052 - Disclosure - Consolidated companies and business acquired and divested</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Principalsubsidiariesinvestmentsinassociatesandjointventures" roleURI="http://www.ing.com/role/Principalsubsidiariesinvestmentsinassociatesandjointventures">
        <link:definition>0000053 - Disclosure - Principal subsidiaries, investments in associates and joint ventures</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Structuredentities" roleURI="http://www.ing.com/role/Structuredentities">
        <link:definition>0000054 - Disclosure - Structured entities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Relatedparties" roleURI="http://www.ing.com/role/Relatedparties">
        <link:definition>0000055 - Disclosure - Related parties</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Capitalmanagement" roleURI="http://www.ing.com/role/Capitalmanagement">
        <link:definition>0000056 - Disclosure - Capital management</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Condensedfinancialinformationoftheparentcompany" roleURI="http://www.ing.com/role/Condensedfinancialinformationoftheparentcompany">
        <link:definition>0000057 - Disclosure - Condensed financial information of the parent company</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Subsequentevents" roleURI="http://www.ing.com/role/Subsequentevents">
        <link:definition>0000058 - Disclosure - Subsequent events</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BasisofpreparationandsignificantaccountingpoliciesPolicies" roleURI="http://www.ing.com/role/BasisofpreparationandsignificantaccountingpoliciesPolicies">
        <link:definition>9954471 - Disclosure - Basis of preparation and significant accounting policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementTables" roleURI="http://www.ing.com/role/RiskmanagementTables">
        <link:definition>9954472 - Disclosure - Risk management (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BasisofpreparationandsignificantaccountingpoliciesTables" roleURI="http://www.ing.com/role/BasisofpreparationandsignificantaccountingpoliciesTables">
        <link:definition>9954473 - Disclosure - Basis of preparation and significant accounting policies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CashandbalanceswithcentralbankTables" roleURI="http://www.ing.com/role/CashandbalanceswithcentralbankTables">
        <link:definition>9954474 - Disclosure - Cash and balances with central bank (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandadvancestobanksTables" roleURI="http://www.ing.com/role/LoansandadvancestobanksTables">
        <link:definition>9954475 - Disclosure - Loans and advances to banks (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughprofitorlossTables" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughprofitorlossTables">
        <link:definition>9954476 - Disclosure - Financial assets at fair value through profit or loss (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughothercomprehensiveincomeTables" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughothercomprehensiveincomeTables">
        <link:definition>9954477 - Disclosure - Financial assets at fair value through other comprehensive income (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtsecuritiesTables" roleURI="http://www.ing.com/role/DebtsecuritiesTables">
        <link:definition>9954478 - Disclosure - Debt securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandadvancestocustomersTables" roleURI="http://www.ing.com/role/LoansandadvancestocustomersTables">
        <link:definition>9954479 - Disclosure - Loans and advances to customers (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentinassociatesandjointventuresTables" roleURI="http://www.ing.com/role/InvestmentinassociatesandjointventuresTables">
        <link:definition>9954480 - Disclosure - Investment in associates and joint ventures (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PropertyandequipmentTables" roleURI="http://www.ing.com/role/PropertyandequipmentTables">
        <link:definition>9954481 - Disclosure - Property and equipment (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleassetsTables" roleURI="http://www.ing.com/role/IntangibleassetsTables">
        <link:definition>9954482 - Disclosure - Intangible assets (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtherassetsTables" roleURI="http://www.ing.com/role/OtherassetsTables">
        <link:definition>9954483 - Disclosure - Other assets (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DepositsfrombanksTables" roleURI="http://www.ing.com/role/DepositsfrombanksTables">
        <link:definition>9954484 - Disclosure - Deposits from banks (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CustomerdepositsTables" roleURI="http://www.ing.com/role/CustomerdepositsTables">
        <link:definition>9954485 - Disclosure - Customer deposits (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialliabilitiesatfairvaluethroughprofitorlossTables" roleURI="http://www.ing.com/role/FinancialliabilitiesatfairvaluethroughprofitorlossTables">
        <link:definition>9954486 - Disclosure - Financial liabilities at fair value through profit or loss (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ProvisionsTables" roleURI="http://www.ing.com/role/ProvisionsTables">
        <link:definition>9954487 - Disclosure - Provisions (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtherliabilitiesTables" roleURI="http://www.ing.com/role/OtherliabilitiesTables">
        <link:definition>9954488 - Disclosure - Other liabilities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtsecuritiesinissueTables" roleURI="http://www.ing.com/role/DebtsecuritiesinissueTables">
        <link:definition>9954489 - Disclosure - Debt securities in issue (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubordinatedloansTables" roleURI="http://www.ing.com/role/SubordinatedloansTables">
        <link:definition>9954490 - Disclosure - Subordinated loans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityTables" roleURI="http://www.ing.com/role/EquityTables">
        <link:definition>9954491 - Disclosure - Equity (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetinterestincomeTables" roleURI="http://www.ing.com/role/NetinterestincomeTables">
        <link:definition>9954492 - Disclosure - Net interest income (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetfeeandcommissionincomeTables" roleURI="http://www.ing.com/role/NetfeeandcommissionincomeTables">
        <link:definition>9954493 - Disclosure - Net fee and commission income (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ValuationresultsandnettradingincomeTables" roleURI="http://www.ing.com/role/ValuationresultsandnettradingincomeTables">
        <link:definition>9954494 - Disclosure - Valuation results and net trading income (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentincomeTables" roleURI="http://www.ing.com/role/InvestmentincomeTables">
        <link:definition>9954495 - Disclosure - Investment income (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StaffexpensesTables" roleURI="http://www.ing.com/role/StaffexpensesTables">
        <link:definition>9954496 - Disclosure - Staff expenses (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtheroperatingexpensesTables" roleURI="http://www.ing.com/role/OtheroperatingexpensesTables">
        <link:definition>9954497 - Disclosure - Other operating expenses (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AuditfeesTables" roleURI="http://www.ing.com/role/AuditfeesTables">
        <link:definition>9954498 - Disclosure - Audit fees (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsperordinaryshareTables" roleURI="http://www.ing.com/role/EarningsperordinaryshareTables">
        <link:definition>9954499 - Disclosure - Earnings per ordinary share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DividendperordinaryshareTables" roleURI="http://www.ing.com/role/DividendperordinaryshareTables">
        <link:definition>9954500 - Disclosure - Dividend per ordinary share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsTables" roleURI="http://www.ing.com/role/SegmentsTables">
        <link:definition>9954501 - Disclosure - Segments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InformationongeographicalareasTables" roleURI="http://www.ing.com/role/InformationongeographicalareasTables">
        <link:definition>9954502 - Disclosure - Information on geographical areas (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ChangesinliabilitiesarisingfromfinancingactivitiesTables" roleURI="http://www.ing.com/role/ChangesinliabilitiesarisingfromfinancingactivitiesTables">
        <link:definition>9954503 - Disclosure - Changes in liabilities arising from financing activities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PensionsandotherpostemploymentbenefitsTables" roleURI="http://www.ing.com/role/PensionsandotherpostemploymentbenefitsTables">
        <link:definition>9954504 - Disclosure - Pensions and other post-employment benefits (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TaxationTables" roleURI="http://www.ing.com/role/TaxationTables">
        <link:definition>9954505 - Disclosure - Taxation (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairvalueofassetsandliabilitiesTables" roleURI="http://www.ing.com/role/FairvalueofassetsandliabilitiesTables">
        <link:definition>9954506 - Disclosure - Fair value of assets and liabilities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandhedgeaccountingTables" roleURI="http://www.ing.com/role/DerivativesandhedgeaccountingTables">
        <link:definition>9954507 - Disclosure - Derivatives and hedge accounting (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AssetsbycontractualmaturityTables" roleURI="http://www.ing.com/role/AssetsbycontractualmaturityTables">
        <link:definition>9954508 - Disclosure - Assets by contractual maturity (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LiabilitiesandoffbalancesheetcommitmentsbymaturityTables" roleURI="http://www.ing.com/role/LiabilitiesandoffbalancesheetcommitmentsbymaturityTables">
        <link:definition>9954509 - Disclosure - Liabilities and off-balance sheet commitments by maturity (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TransferoffinancialassetsassetspledgedandreceivedascollateralTables" roleURI="http://www.ing.com/role/TransferoffinancialassetsassetspledgedandreceivedascollateralTables">
        <link:definition>9954510 - Disclosure - Transfer of financial assets, assets pledged and received as collateral (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OffsettingfinancialassetsandliabilitiesTables" roleURI="http://www.ing.com/role/OffsettingfinancialassetsandliabilitiesTables">
        <link:definition>9954511 - Disclosure - Offsetting financial assets and liabilities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ContingentliabilitiesandcommitmentsTables" roleURI="http://www.ing.com/role/ContingentliabilitiesandcommitmentsTables">
        <link:definition>9954512 - Disclosure - Contingent liabilities and commitments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PrincipalsubsidiariesinvestmentsinassociatesandjointventuresTables" roleURI="http://www.ing.com/role/PrincipalsubsidiariesinvestmentsinassociatesandjointventuresTables">
        <link:definition>9954513 - Disclosure - Principal subsidiaries, investments in associates and joint ventures (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StructuredentitiesTables" roleURI="http://www.ing.com/role/StructuredentitiesTables">
        <link:definition>9954514 - Disclosure - Structured entities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedpartiesTables" roleURI="http://www.ing.com/role/RelatedpartiesTables">
        <link:definition>9954515 - Disclosure - Related parties (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CapitalmanagementTables" roleURI="http://www.ing.com/role/CapitalmanagementTables">
        <link:definition>9954516 - Disclosure - Capital management (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedfinancialinformationoftheparentcompanyTables" roleURI="http://www.ing.com/role/CondensedfinancialinformationoftheparentcompanyTables">
        <link:definition>9954517 - Disclosure - Condensed financial information of the parent company (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementOutstandingsperlineofbusinessDetails" roleURI="http://www.ing.com/role/RiskmanagementOutstandingsperlineofbusinessDetails">
        <link:definition>9954518 - Disclosure - Risk management - Outstandings per line of business (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementOutstandingsbyeconomicsectorsandgeographicalareaDetails" roleURI="http://www.ing.com/role/RiskmanagementOutstandingsbyeconomicsectorsandgeographicalareaDetails">
        <link:definition>9954519 - Disclosure - Risk management - Outstandings by economic sectors and geographical area (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementCreditriskmitigationandcreditqualityAdditionalinformationDetails" roleURI="http://www.ing.com/role/RiskmanagementCreditriskmitigationandcreditqualityAdditionalinformationDetails">
        <link:definition>9954520 - Disclosure - Risk management - Credit risk mitigation and credit quality - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementCovervaluesincludingguaranteesreceivedTotalINGBankDetails" roleURI="http://www.ing.com/role/RiskmanagementCovervaluesincludingguaranteesreceivedTotalINGBankDetails">
        <link:definition>9954521 - Disclosure - Risk management - Cover values including guarantees received - Total ING Bank (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementCreditqualityoutstandingsDetails" roleURI="http://www.ing.com/role/RiskmanagementCreditqualityoutstandingsDetails">
        <link:definition>9954522 - Disclosure - Risk management - Credit quality outstandings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementAginganalysispastduebutperformingConsumerlendingportfoliobygeographicareaoutstandingsDetails" roleURI="http://www.ing.com/role/RiskmanagementAginganalysispastduebutperformingConsumerlendingportfoliobygeographicareaoutstandingsDetails">
        <link:definition>9954523 - Disclosure - Risk management - Aging analysis (past due but performing): Consumer lending portfolio by geographic area, outstandings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementAginganalysispastduebutperformingBusinesslendingportfoliobygeographicareaoutstandingsDetails" roleURI="http://www.ing.com/role/RiskmanagementAginganalysispastduebutperformingBusinesslendingportfoliobygeographicareaoutstandingsDetails">
        <link:definition>9954524 - Disclosure - Risk management - Aging analysis (past due but performing): Business lending portfolio by geographic area, outstandings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementSummaryforborneportfolioDetails" roleURI="http://www.ing.com/role/RiskmanagementSummaryforborneportfolioDetails">
        <link:definition>9954525 - Disclosure - Risk management - Summary forborne portfolio (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementSummaryforborneportfoliobyforberancetypeDetails" roleURI="http://www.ing.com/role/RiskmanagementSummaryforborneportfoliobyforberancetypeDetails">
        <link:definition>9954526 - Disclosure - Risk management - Summary forborne portfolio by forberance type (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementWholesaleBankingForborneportfoliobygeographicalareaDetails" roleURI="http://www.ing.com/role/RiskmanagementWholesaleBankingForborneportfoliobygeographicalareaDetails">
        <link:definition>9954527 - Disclosure - Risk management - Wholesale Banking: Forborne portfolio by geographical area (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementWholesaleBankingForborneportfoliobyeconomicsectorDetails" roleURI="http://www.ing.com/role/RiskmanagementWholesaleBankingForborneportfoliobyeconomicsectorDetails">
        <link:definition>9954528 - Disclosure - Risk management - Wholesale Banking: Forborne portfolio by economic sector (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementRetailBankingForborneportfoliobygeographicalareaDetails" roleURI="http://www.ing.com/role/RiskmanagementRetailBankingForborneportfoliobygeographicalareaDetails">
        <link:definition>9954529 - Disclosure - Risk management - Retail Banking: Forborne portfolio by geographical area (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementNonperformingLoansoutstandingsbyeconomicsectorandbusinesslinesDetails" roleURI="http://www.ing.com/role/RiskmanagementNonperformingLoansoutstandingsbyeconomicsectorandbusinesslinesDetails">
        <link:definition>9954530 - Disclosure - Risk management - Non-performing Loans: outstandings by economic sector and business lines (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementNonperformingLoansoutstandingsbyeconomicsectorsandgeographicalareaDetails" roleURI="http://www.ing.com/role/RiskmanagementNonperformingLoansoutstandingsbyeconomicsectorsandgeographicalareaDetails">
        <link:definition>9954531 - Disclosure - Risk management - Non-performing Loans: outstandings by economic sectors and geographical area (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementGrosscarryingamountperIFRS9stageandratingclassDetails" roleURI="http://www.ing.com/role/RiskmanagementGrosscarryingamountperIFRS9stageandratingclassDetails">
        <link:definition>9954532 - Disclosure - Risk management - Gross carrying amount per IFRS 9 stage and rating class (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementChangesingrosscarryingamountsandloanlossprovisionsDetails" roleURI="http://www.ing.com/role/RiskmanagementChangesingrosscarryingamountsandloanlossprovisionsDetails">
        <link:definition>9954533 - Disclosure - Risk management - Changes in gross carrying amounts and loan loss provisions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementFinancialassetsmodifiedDetails" roleURI="http://www.ing.com/role/RiskmanagementFinancialassetsmodifiedDetails">
        <link:definition>9954534 - Disclosure - Risk management - Financial assets modified (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementMacroeconomicscenariosappliedAdditionalInformationDetails" roleURI="http://www.ing.com/role/RiskmanagementMacroeconomicscenariosappliedAdditionalInformationDetails">
        <link:definition>9954535 - Disclosure - Risk management - Macroeconomic scenarios applied - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementManagementadjustmentsDetails" roleURI="http://www.ing.com/role/RiskmanagementManagementadjustmentsDetails">
        <link:definition>9954536 - Disclosure - Risk management - Management adjustments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementSensitivityanalysisDetails" roleURI="http://www.ing.com/role/RiskmanagementSensitivityanalysisDetails">
        <link:definition>9954537 - Disclosure - Risk management - Sensitivity analysis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementReconciliationofmodelreportableECLtototalECLDetails" roleURI="http://www.ing.com/role/RiskmanagementReconciliationofmodelreportableECLtototalECLDetails">
        <link:definition>9954538 - Disclosure - Risk management - Reconciliation of model (reportable) ECL to total ECL (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementQuantitativeSICRthresholdsDetails" roleURI="http://www.ing.com/role/RiskmanagementQuantitativeSICRthresholdsDetails">
        <link:definition>9954539 - Disclosure - Risk management - Quantitative SICR thresholds (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementNIINPVatRiskbankingbookpercurrencyyearoneDetails" roleURI="http://www.ing.com/role/RiskmanagementNIINPVatRiskbankingbookpercurrencyyearoneDetails">
        <link:definition>9954540 - Disclosure - Risk management - NII/NPV-at-Risk banking book per currency - year one (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementNonderivativefinancialinstrumentstotransitiontoalternativebenchmarksDetails" roleURI="http://www.ing.com/role/RiskmanagementNonderivativefinancialinstrumentstotransitiontoalternativebenchmarksDetails">
        <link:definition>9954541 - Disclosure - Risk management - Non-derivative financial instruments to transition to alternative benchmarks (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementDerivativefinancialinstrumentstotransitiontoalternativebenchmarksDetails" roleURI="http://www.ing.com/role/RiskmanagementDerivativefinancialinstrumentstotransitiontoalternativebenchmarksDetails">
        <link:definition>9954542 - Disclosure - Risk management - Derivative financial instruments to transition to alternative benchmarks (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementNotionalamountsofhedginginstrumentsDetails" roleURI="http://www.ing.com/role/RiskmanagementNotionalamountsofhedginginstrumentsDetails">
        <link:definition>9954543 - Disclosure - Risk management - Notional amounts of hedging instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementForeigncurrencyexposuresbankingbooksDetails" roleURI="http://www.ing.com/role/RiskmanagementForeigncurrencyexposuresbankingbooksDetails">
        <link:definition>9954544 - Disclosure - Risk management - Foreign currency exposures banking books (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementRevaluationreserveequitysecuritiesatfairvaluethroughothercomprehensiveincomeDetails" roleURI="http://www.ing.com/role/RiskmanagementRevaluationreserveequitysecuritiesatfairvaluethroughothercomprehensiveincomeDetails">
        <link:definition>9954545 - Disclosure - Risk management - Revaluation reserve equity securities at fair value through other comprehensive income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementMostimportantforeignexchangeyearendtradingpositionsDetails" roleURI="http://www.ing.com/role/RiskmanagementMostimportantforeignexchangeyearendtradingpositionsDetails">
        <link:definition>9954546 - Disclosure - Risk management - Most important foreign exchange year-end trading positions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RiskmanagementMostimportantinterestrateandcreditspreadsensitivitiesatyearendDetail" roleURI="http://www.ing.com/role/RiskmanagementMostimportantinterestrateandcreditspreadsensitivitiesatyearendDetail">
        <link:definition>9954547 - Disclosure - Risk management - Most important interest rate and credit spread sensitivities at year-end (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BasisofpreparationandsignificantaccountingpoliciesAdditionalinformationDetails" roleURI="http://www.ing.com/role/BasisofpreparationandsignificantaccountingpoliciesAdditionalinformationDetails">
        <link:definition>9954548 - Disclosure - Basis of preparation and significant accounting policies - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BasisofpreparationandsignificantaccountingpoliciesReconciliationnetresultunderIFRSEUandIFRSIASBDetails" roleURI="http://www.ing.com/role/BasisofpreparationandsignificantaccountingpoliciesReconciliationnetresultunderIFRSEUandIFRSIASBDetails">
        <link:definition>9954549 - Disclosure - Basis of preparation and significant accounting policies - Reconciliation net result under IFRS-EU and IFRS-IASB (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BasisofpreparationandsignificantaccountingpoliciesReconciliationshareholdersequityunderIFRSEUandIFRSIASBDetails" roleURI="http://www.ing.com/role/BasisofpreparationandsignificantaccountingpoliciesReconciliationshareholdersequityunderIFRSEUandIFRSIASBDetails">
        <link:definition>9954550 - Disclosure - Basis of preparation and significant accounting policies - Reconciliation shareholders' equity under IFRS-EU and IFRS-IASB (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CashandbalanceswithcentralbankSummaryofcashandbalanceswithcentralbankDetails" roleURI="http://www.ing.com/role/CashandbalanceswithcentralbankSummaryofcashandbalanceswithcentralbankDetails">
        <link:definition>9954551 - Disclosure - Cash and balances with central bank - Summary of cash and balances with central bank (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandadvancestobanksScheduleofloansandadvancestobanksDetails" roleURI="http://www.ing.com/role/LoansandadvancestobanksScheduleofloansandadvancestobanksDetails">
        <link:definition>9954552 - Disclosure - Loans and advances to banks - Schedule of loans and advances to banks (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandadvancestobanksAdditionalinformationDetails" roleURI="http://www.ing.com/role/LoansandadvancestobanksAdditionalinformationDetails">
        <link:definition>9954553 - Disclosure - Loans and advances to banks - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughprofitorlossSummaryoffinancialassetsatfairvaluethroughprofitorlossDetails" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughprofitorlossSummaryoffinancialassetsatfairvaluethroughprofitorlossDetails">
        <link:definition>9954554 - Disclosure - Financial assets at fair value through profit or loss - Summary of financial assets at fair value through profit or loss (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughprofitorlossSummaryofexposuretoreverserepurchaseagreementsDetails" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughprofitorlossSummaryofexposuretoreverserepurchaseagreementsDetails">
        <link:definition>9954555 - Disclosure - Financial assets at fair value through profit or loss - Summary of exposure to (reverse) repurchase agreements (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughprofitorlossSummaryoftradingassetsDetails" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughprofitorlossSummaryoftradingassetsDetails">
        <link:definition>9954556 - Disclosure - Financial assets at fair value through profit or loss - Summary of trading assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughprofitorlossSummaryofnontradingderivativesDetails" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughprofitorlossSummaryofnontradingderivativesDetails">
        <link:definition>9954557 - Disclosure - Financial assets at fair value through profit or loss - Summary of non-trading derivatives (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughprofitorlossDesignatedasatfairvaluethroughprofitorlossDetails" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughprofitorlossDesignatedasatfairvaluethroughprofitorlossDetails">
        <link:definition>9954558 - Disclosure - Financial assets at fair value through profit or loss - Designated as at fair value through profit or loss (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughprofitorlossAdditionalinformationDetails" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughprofitorlossAdditionalinformationDetails">
        <link:definition>9954559 - Disclosure - Financial assets at fair value through profit or loss - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughprofitorlossMandatorilyatfairvaluethroughprofitorlossDetails" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughprofitorlossMandatorilyatfairvaluethroughprofitorlossDetails">
        <link:definition>9954560 - Disclosure - Financial assets at fair value through profit or loss - Mandatorily at fair value through profit or loss (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughothercomprehensiveincomeSummaryoffinancialassetsatfairvaluethroughothercomprehensiveincomeDetails" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughothercomprehensiveincomeSummaryoffinancialassetsatfairvaluethroughothercomprehensiveincomeDetails">
        <link:definition>9954561 - Disclosure - Financial assets at fair value through other comprehensive income - Summary of financial assets at fair value through other comprehensive income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughothercomprehensiveincomeSummaryofequitysecuritiesdesignatedasatfairvaluethroughothercomprehensiveincomeDetails" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughothercomprehensiveincomeSummaryofequitysecuritiesdesignatedasatfairvaluethroughothercomprehensiveincomeDetails">
        <link:definition>9954562 - Disclosure - Financial assets at fair value through other comprehensive income- Summary of equity securities designated as at fair value through other comprehensive income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughothercomprehensiveincomeSummaryofchangesinfairvaluethroughothercomprehensiveincomefinancialassetsDetails" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughothercomprehensiveincomeSummaryofchangesinfairvaluethroughothercomprehensiveincomefinancialassetsDetails">
        <link:definition>9954563 - Disclosure - Financial assets at fair value through other comprehensive income - Summary of changes in fair value through other comprehensive income financial assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialassetsatfairvaluethroughothercomprehensiveincomeAdditionalinformationDetails" roleURI="http://www.ing.com/role/FinancialassetsatfairvaluethroughothercomprehensiveincomeAdditionalinformationDetails">
        <link:definition>9954564 - Disclosure - Financial assets at fair value through other comprehensive income - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtsecuritiesSummaryofsecuritiesatamortisedcostsDetails" roleURI="http://www.ing.com/role/DebtsecuritiesSummaryofsecuritiesatamortisedcostsDetails">
        <link:definition>9954565 - Disclosure - Debt securities - Summary of securities at amortised costs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtsecuritiesAdditionalinformationDetails" roleURI="http://www.ing.com/role/DebtsecuritiesAdditionalinformationDetails">
        <link:definition>9954566 - Disclosure - Debt securities - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtsecuritiesDebtsecuritiesbytypeandbalancesheetlinesDetails" roleURI="http://www.ing.com/role/DebtsecuritiesDebtsecuritiesbytypeandbalancesheetlinesDetails">
        <link:definition>9954567 - Disclosure - Debt securities - Debt securities by type and balance sheet lines (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandadvancestocustomersSummaryofloansandadvancestocustomersDetails" roleURI="http://www.ing.com/role/LoansandadvancestocustomersSummaryofloansandadvancestocustomersDetails">
        <link:definition>9954568 - Disclosure - Loans and advances to customers - Summary of loans and advances to customers (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandadvancestocustomersAdditionalinformationDetails" roleURI="http://www.ing.com/role/LoansandadvancestocustomersAdditionalinformationDetails">
        <link:definition>9954569 - Disclosure - Loans and advances to customers - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandadvancestocustomersFinanceleasereceivablesDetails" roleURI="http://www.ing.com/role/LoansandadvancestocustomersFinanceleasereceivablesDetails">
        <link:definition>9954570 - Disclosure - Loans and advances to customers - Finance lease receivables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentinassociatesandjointventuresSummaryofinvestmentsinassociatesandjointventuresDetails" roleURI="http://www.ing.com/role/InvestmentinassociatesandjointventuresSummaryofinvestmentsinassociatesandjointventuresDetails">
        <link:definition>9954571 - Disclosure - Investment in associates and joint ventures - Summary of investments in associates and joint ventures (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentinassociatesandjointventuresAdditionalinformationDetails" roleURI="http://www.ing.com/role/InvestmentinassociatesandjointventuresAdditionalinformationDetails">
        <link:definition>9954572 - Disclosure - Investment in associates and joint ventures - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentinassociatesandjointventuresSummaryofchangesininvestmentsinassociatesandjointventuresDetails" roleURI="http://www.ing.com/role/InvestmentinassociatesandjointventuresSummaryofchangesininvestmentsinassociatesandjointventuresDetails">
        <link:definition>9954573 - Disclosure - Investment in associates and joint ventures - Summary of changes in investments in associates and joint ventures (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PropertyandequipmentScheduleofpropertyandequipmentDetails" roleURI="http://www.ing.com/role/PropertyandequipmentScheduleofpropertyandequipmentDetails">
        <link:definition>9954574 - Disclosure - Property and equipment - Schedule of property and equipment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PropertyandequipmentScheduleofchangesinpropertyinownuseDetails" roleURI="http://www.ing.com/role/PropertyandequipmentScheduleofchangesinpropertyinownuseDetails">
        <link:definition>9954575 - Disclosure - Property and equipment - Schedule of changes in property in own use (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PropertyandequipmentAdditionalinformationDetails" roleURI="http://www.ing.com/role/PropertyandequipmentAdditionalinformationDetails">
        <link:definition>9954576 - Disclosure - Property and equipment - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleassetsScheduleofchangesinintangibleassetsDetails" roleURI="http://www.ing.com/role/IntangibleassetsScheduleofchangesinintangibleassetsDetails">
        <link:definition>9954577 - Disclosure - Intangible assets - Schedule of changes in intangible assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleassetsScheduleoffgoodwillallocationtogroupofCGUsDetails" roleURI="http://www.ing.com/role/IntangibleassetsScheduleoffgoodwillallocationtogroupofCGUsDetails">
        <link:definition>9954578 - Disclosure - Intangible assets - Schedule off goodwill allocation to group of CGUs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleassetsAdditionalinformationDetails" roleURI="http://www.ing.com/role/IntangibleassetsAdditionalinformationDetails">
        <link:definition>9954579 - Disclosure - Intangible assets - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtherassetsScheduleofotherassetsDetails" roleURI="http://www.ing.com/role/OtherassetsScheduleofotherassetsDetails">
        <link:definition>9954580 - Disclosure - Other assets - Schedule of other assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DepositsfrombanksScheduleofdepositsfrombanksbytypeDetails" roleURI="http://www.ing.com/role/DepositsfrombanksScheduleofdepositsfrombanksbytypeDetails">
        <link:definition>9954581 - Disclosure - Deposits from banks - Schedule of deposits from banks by type (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DepositsfrombanksAdditionalinformationDetails" roleURI="http://www.ing.com/role/DepositsfrombanksAdditionalinformationDetails">
        <link:definition>9954582 - Disclosure - Deposits from banks - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CustomerdepositsScheduleofcustomerdepositsDetails" roleURI="http://www.ing.com/role/CustomerdepositsScheduleofcustomerdepositsDetails">
        <link:definition>9954583 - Disclosure - Customer deposits - Schedule of customer deposits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CustomerdepositsAdditionalInformationDetails" roleURI="http://www.ing.com/role/CustomerdepositsAdditionalInformationDetails">
        <link:definition>9954584 - Disclosure - Customer deposits - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CustomerdepositsScheduleofcustomerdepositsbytypeDetails" roleURI="http://www.ing.com/role/CustomerdepositsScheduleofcustomerdepositsbytypeDetails">
        <link:definition>9954585 - Disclosure - Customer deposits - Schedule of customer deposits by type (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialliabilitiesatfairvaluethroughprofitorlossfinancialliabilitiesatfairvaluethroughprofitorlossDetails" roleURI="http://www.ing.com/role/FinancialliabilitiesatfairvaluethroughprofitorlossfinancialliabilitiesatfairvaluethroughprofitorlossDetails">
        <link:definition>9954586 - Disclosure - Financial liabilities at fair value through profit or loss - financial liabilities at fair value through profit or loss (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialliabilitiesatfairvaluethroughprofitorlossTradingliabilitiesbytypeDetails" roleURI="http://www.ing.com/role/FinancialliabilitiesatfairvaluethroughprofitorlossTradingliabilitiesbytypeDetails">
        <link:definition>9954587 - Disclosure - Financial liabilities at fair value through profit or loss - Trading liabilities by type (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialliabilitiesatfairvaluethroughprofitorlossNontradingrerivativesbytypeDetail" roleURI="http://www.ing.com/role/FinancialliabilitiesatfairvaluethroughprofitorlossNontradingrerivativesbytypeDetail">
        <link:definition>9954588 - Disclosure - Financial liabilities at fair value through profit or loss - Non-trading rerivatives by type (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialliabilitiesatfairvaluethroughprofitorlossSummaryofdesignatedasatfairvaluethroughprofitorlossbytypeDetails" roleURI="http://www.ing.com/role/FinancialliabilitiesatfairvaluethroughprofitorlossSummaryofdesignatedasatfairvaluethroughprofitorlossbytypeDetails">
        <link:definition>9954589 - Disclosure - Financial liabilities at fair value through profit or loss - Summary of designated as at fair value through profit or loss by type (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinancialliabilitiesatfairvaluethroughprofitorlossAdditionalinformationDetails" roleURI="http://www.ing.com/role/FinancialliabilitiesatfairvaluethroughprofitorlossAdditionalinformationDetails">
        <link:definition>9954590 - Disclosure - Financial liabilities at fair value through profit or loss - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ProvisionsSummaryofprovisionsbytypeDetails" roleURI="http://www.ing.com/role/ProvisionsSummaryofprovisionsbytypeDetails">
        <link:definition>9954591 - Disclosure - Provisions - Summary of provisions by type (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ProvisionsSummaryofchangesinprovisionsDetails" roleURI="http://www.ing.com/role/ProvisionsSummaryofchangesinprovisionsDetails">
        <link:definition>9954592 - Disclosure - Provisions - Summary of changes in provisions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ProvisionsAdditionalinformationDetails" roleURI="http://www.ing.com/role/ProvisionsAdditionalinformationDetails">
        <link:definition>9954593 - Disclosure - Provisions - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtherliabilitiesSummaryofotherliabilitiesDetails" roleURI="http://www.ing.com/role/OtherliabilitiesSummaryofotherliabilitiesDetails">
        <link:definition>9954594 - Disclosure - Other liabilities - Summary of other liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtherliabilitiesAdditionalinformationDetails" roleURI="http://www.ing.com/role/OtherliabilitiesAdditionalinformationDetails">
        <link:definition>9954595 - Disclosure - Other liabilities - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtsecuritiesinissueSummaryofmaturitiesofdebtsecuritiesinissueDetails" roleURI="http://www.ing.com/role/DebtsecuritiesinissueSummaryofmaturitiesofdebtsecuritiesinissueDetails">
        <link:definition>9954596 - Disclosure - Debt securities in issue - Summary of maturities of debt securities in issue (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubordinatedloansScheduleofsubordinatedloansbygroupcompaniesDetails" roleURI="http://www.ing.com/role/SubordinatedloansScheduleofsubordinatedloansbygroupcompaniesDetails">
        <link:definition>9954597 - Disclosure - Subordinated loans - Schedule of subordinated loans by group companies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubordinatedloansAdditionalinformationDetails" roleURI="http://www.ing.com/role/SubordinatedloansAdditionalinformationDetails">
        <link:definition>9954598 - Disclosure - Subordinated loans - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquitySummaryofequityDetails" roleURI="http://www.ing.com/role/EquitySummaryofequityDetails">
        <link:definition>9954599 - Disclosure - Equity - Summary of equity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityHyperinflationadditionalinformationDetails" roleURI="http://www.ing.com/role/EquityHyperinflationadditionalinformationDetails">
        <link:definition>9954600 - Disclosure - Equity - Hyperinflation additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityScheduleofsharecapitalDetails" roleURI="http://www.ing.com/role/EquityScheduleofsharecapitalDetails">
        <link:definition>9954601 - Disclosure - Equity - Schedule of share capital (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquitySummaryofchangesinissuedsharecapitalDetails" roleURI="http://www.ing.com/role/EquitySummaryofchangesinissuedsharecapitalDetails">
        <link:definition>9954602 - Disclosure - Equity - Summary of changes in issued share capital (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityScheduleofsharepremiumDetails" roleURI="http://www.ing.com/role/EquityScheduleofsharepremiumDetails">
        <link:definition>9954603 - Disclosure - Equity - Schedule of share premium (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquitySharecapitalandpremiumadditionalinformationDetails" roleURI="http://www.ing.com/role/EquitySharecapitalandpremiumadditionalinformationDetails">
        <link:definition>9954604 - Disclosure - Equity - Share capital and premium additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityScheduleofchangesinrevaluationcashflowandpropertyreserveDetails" roleURI="http://www.ing.com/role/EquityScheduleofchangesinrevaluationcashflowandpropertyreserveDetails">
        <link:definition>9954605 - Disclosure - Equity - Schedule of changes in revaluation, cash flow, and property reserve (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityOtherreservesadditionalinformationDetails" roleURI="http://www.ing.com/role/EquityOtherreservesadditionalinformationDetails">
        <link:definition>9954606 - Disclosure - Equity - Other reserves additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityScheduleofchangesincurrencytranslationreserveDetails" roleURI="http://www.ing.com/role/EquityScheduleofchangesincurrencytranslationreserveDetails">
        <link:definition>9954607 - Disclosure - Equity - Schedule of changes in currency translation reserve (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityScheduleofchangesinshareofassociatesjointventuresandotherreservesDetails" roleURI="http://www.ing.com/role/EquityScheduleofchangesinshareofassociatesjointventuresandotherreservesDetails">
        <link:definition>9954608 - Disclosure - Equity - Schedule of changes in share of associates, joint ventures and other reserves (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityShareofequitymethodinvestmentsadditionalinformationDetails" roleURI="http://www.ing.com/role/EquityShareofequitymethodinvestmentsadditionalinformationDetails">
        <link:definition>9954609 - Disclosure - Equity - Share of equity method investments additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityScheduleofchangesintreasurysharesDetails" roleURI="http://www.ing.com/role/EquityScheduleofchangesintreasurysharesDetails">
        <link:definition>9954610 - Disclosure - Equity - Schedule of changes in treasury shares (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityTreasurysharesadditionalinformationDetails" roleURI="http://www.ing.com/role/EquityTreasurysharesadditionalinformationDetails">
        <link:definition>9954611 - Disclosure - Equity - Treasury shares additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityScheduleofchangesinretainedearningsDetails" roleURI="http://www.ing.com/role/EquityScheduleofchangesinretainedearningsDetails">
        <link:definition>9954612 - Disclosure - Equity - Schedule of changes in retained earnings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityRetainedearningsadditionalinformationDetails" roleURI="http://www.ing.com/role/EquityRetainedearningsadditionalinformationDetails">
        <link:definition>9954613 - Disclosure - Equity - Retained earnings additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityScheduleofnondistributablereservesDetails" roleURI="http://www.ing.com/role/EquityScheduleofnondistributablereservesDetails">
        <link:definition>9954614 - Disclosure - Equity - Schedule of non-distributable reserves (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetinterestincomeSummaryofnetinterestincomeDetails" roleURI="http://www.ing.com/role/NetinterestincomeSummaryofnetinterestincomeDetails">
        <link:definition>9954615 - Disclosure - Net interest income - Summary of net interest income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetinterestincomeAdditionalinformationDetails" roleURI="http://www.ing.com/role/NetinterestincomeAdditionalinformationDetails">
        <link:definition>9954616 - Disclosure - Net interest income - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetfeeandcommissionincomeScheduleofnetfeeandcommissionincomeDetails" roleURI="http://www.ing.com/role/NetfeeandcommissionincomeScheduleofnetfeeandcommissionincomeDetails">
        <link:definition>9954617 - Disclosure - Net fee and commission income - Schedule of net fee and commission income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ValuationresultsandnettradingincomeSummaryofvaluationresultsandnettradingincomeDetails" roleURI="http://www.ing.com/role/ValuationresultsandnettradingincomeSummaryofvaluationresultsandnettradingincomeDetails">
        <link:definition>9954618 - Disclosure - Valuation results and net trading income - Summary of valuation results and net trading income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ValuationresultsandnettradingincomeAdditionalinformationDetails" roleURI="http://www.ing.com/role/ValuationresultsandnettradingincomeAdditionalinformationDetails">
        <link:definition>9954619 - Disclosure - Valuation results and net trading income - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentincomeSummaryofinvestmentincomeDetails" roleURI="http://www.ing.com/role/InvestmentincomeSummaryofinvestmentincomeDetails">
        <link:definition>9954620 - Disclosure - Investment income - Summary of investment income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OthernetincomeDetails" roleURI="http://www.ing.com/role/OthernetincomeDetails">
        <link:definition>9954621 - Disclosure - Other net income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StaffexpensesSummaryofstaffexpensesDetails" roleURI="http://www.ing.com/role/StaffexpensesSummaryofstaffexpensesDetails">
        <link:definition>9954622 - Disclosure - Staff expenses - Summary of staff expenses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StaffexpensesSummaryofnumberofemployeesDetails" roleURI="http://www.ing.com/role/StaffexpensesSummaryofnumberofemployeesDetails">
        <link:definition>9954623 - Disclosure - Staff expenses - Summary of number of employees (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StaffexpensesAdditionalInformationDetails" roleURI="http://www.ing.com/role/StaffexpensesAdditionalInformationDetails">
        <link:definition>9954624 - Disclosure - Staff expenses - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StaffexpensesSummaryofchangesinshareawardsDetails" roleURI="http://www.ing.com/role/StaffexpensesSummaryofchangesinshareawardsDetails">
        <link:definition>9954625 - Disclosure - Staff expenses - Summary of changes in share awards (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtheroperatingexpensesSummaryofotheroperatingexpensesDetails" roleURI="http://www.ing.com/role/OtheroperatingexpensesSummaryofotheroperatingexpensesDetails">
        <link:definition>9954626 - Disclosure - Other operating expenses - Summary of other operating expenses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OtheroperatingexpensesAdditionalinformationDetails" roleURI="http://www.ing.com/role/OtheroperatingexpensesAdditionalinformationDetails">
        <link:definition>9954627 - Disclosure - Other operating expenses - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AuditfeesSummaryofauditandnonauditservicesDetails" roleURI="http://www.ing.com/role/AuditfeesSummaryofauditandnonauditservicesDetails">
        <link:definition>9954628 - Disclosure - Audit fees - Summary of audit and non-audit services (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsperordinaryshareSummaryofearningsperordinaryshareDetails" roleURI="http://www.ing.com/role/EarningsperordinaryshareSummaryofearningsperordinaryshareDetails">
        <link:definition>9954629 - Disclosure - Earnings per ordinary share - Summary of earnings per ordinary share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DividendperordinaryshareScheduleofdividendstoshareholdersoftheparentDetails" roleURI="http://www.ing.com/role/DividendperordinaryshareScheduleofdividendstoshareholdersoftheparentDetails">
        <link:definition>9954630 - Disclosure - Dividend per ordinary share - Schedule of dividends to shareholders of the parent (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DividendperordinaryshareAdditionalinformationDetails" roleURI="http://www.ing.com/role/DividendperordinaryshareAdditionalinformationDetails">
        <link:definition>9954631 - Disclosure - Dividend per ordinary share - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsAdditionalinformationDetails" roleURI="http://www.ing.com/role/SegmentsAdditionalinformationDetails">
        <link:definition>9954632 - Disclosure - Segments - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsSummaryofreconciliationbetweenIFRSandunderlyingincomeexpensesandnetresultDetails" roleURI="http://www.ing.com/role/SegmentsSummaryofreconciliationbetweenIFRSandunderlyingincomeexpensesandnetresultDetails">
        <link:definition>9954633 - Disclosure - Segments - Summary of reconciliation between IFRS and underlying income, expenses and net result (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsScheduleofINGGrouptotalDetails" roleURI="http://www.ing.com/role/SegmentsScheduleofINGGrouptotalDetails">
        <link:definition>9954634 - Disclosure - Segments - Schedule of ING Group total (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsSummaryofsegmentsbankingbylineofbusinessDetails" roleURI="http://www.ing.com/role/SegmentsSummaryofsegmentsbankingbylineofbusinessDetails">
        <link:definition>9954635 - Disclosure - Segments - Summary of segments banking by line of business (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsSummaryofgeographicalsegmentsbankingDetails" roleURI="http://www.ing.com/role/SegmentsSummaryofgeographicalsegmentsbankingDetails">
        <link:definition>9954636 - Disclosure - Segments - Summary of geographical segments banking (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InformationongeographicalareasAdditionalinformationDetails" roleURI="http://www.ing.com/role/InformationongeographicalareasAdditionalinformationDetails">
        <link:definition>9954637 - Disclosure - Information on geographical areas - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InformationongeographicalareasSummaryofadditionalinformationbycountryDetails" roleURI="http://www.ing.com/role/InformationongeographicalareasSummaryofadditionalinformationbycountryDetails">
        <link:definition>9954638 - Disclosure - Information on geographical areas - Summary of additional information by country (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ChangesinliabilitiesarisingfromfinancingactivitiesSummaryofchangesinliabiltiesarisingfromfinancingactivitiesDetails" roleURI="http://www.ing.com/role/ChangesinliabilitiesarisingfromfinancingactivitiesSummaryofchangesinliabiltiesarisingfromfinancingactivitiesDetails">
        <link:definition>9954639 - Disclosure - Changes in liabilities arising from financing activities - Summary of changes in liabilties arising from financing activities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PensionandotherpostemploymentbenefitsSummaryofinformationonplanassetsanddefinedbenefitobligationpercountryDetail" roleURI="http://www.ing.com/role/PensionandotherpostemploymentbenefitsSummaryofinformationonplanassetsanddefinedbenefitobligationpercountryDetail">
        <link:definition>9954640 - Disclosure - Pension and other post-employment benefits - Summary of information on plan assets and defined benefit obligation per country (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PensionandotherpostemploymentbenefitsScheduleofchangesinfairvalueofplanassetsDetails" roleURI="http://www.ing.com/role/PensionandotherpostemploymentbenefitsScheduleofchangesinfairvalueofplanassetsDetails">
        <link:definition>9954641 - Disclosure - Pension and other post-employment benefits - Schedule of changes in fair value of plan assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PensionandotherpostemploymentbenefitsScheduleofchangesinpresentvalueofdefinedbenefitobligationandotherpostemploymentbenefitsDetails" roleURI="http://www.ing.com/role/PensionandotherpostemploymentbenefitsScheduleofchangesinpresentvalueofdefinedbenefitobligationandotherpostemploymentbenefitsDetails">
        <link:definition>9954642 - Disclosure - Pension and other post-employment benefits - Schedule of changes in present value of defined benefit obligation and other post-employment benefits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PensionandotherpostemploymentbenefitsSummaryofchangesinthenetdefinedbenefitassetsliabilityremeasurementreserveDetails" roleURI="http://www.ing.com/role/PensionandotherpostemploymentbenefitsSummaryofchangesinthenetdefinedbenefitassetsliabilityremeasurementreserveDetails">
        <link:definition>9954643 - Disclosure - Pension and other post-employment benefits - Summary of changes in the net defined benefit assets/liability remeasurement reserve (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PensionandotherpostemploymentbenefitsSummaryofpensionandotherstaffrelatedbenefitcostsDetails" roleURI="http://www.ing.com/role/PensionandotherpostemploymentbenefitsSummaryofpensionandotherstaffrelatedbenefitcostsDetails">
        <link:definition>9954644 - Disclosure - Pension and other post-employment benefits - Summary of pension and other staff-related benefit costs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PensionandotherpostemploymentbenefitsAdditionalinformationDetails" roleURI="http://www.ing.com/role/PensionandotherpostemploymentbenefitsAdditionalinformationDetails">
        <link:definition>9954645 - Disclosure - Pension and other post employment benefits - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TaxationSummaryofchangesindeferredtaxDetails" roleURI="http://www.ing.com/role/TaxationSummaryofchangesindeferredtaxDetails">
        <link:definition>9954646 - Disclosure - Taxation - Summary of changes in deferred tax (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TaxationSummaryofdeferredtaxinconnectionwithunusedtaxlossescarriedforwardDetails" roleURI="http://www.ing.com/role/TaxationSummaryofdeferredtaxinconnectionwithunusedtaxlossescarriedforwardDetails">
        <link:definition>9954647 - Disclosure - Taxation - Summary of deferred tax in connection with unused tax losses carried forward (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TaxationSummaryoftotalunusedtaxlossescarriedforwardanalysedbyexpirytermsDetails" roleURI="http://www.ing.com/role/TaxationSummaryoftotalunusedtaxlossescarriedforwardanalysedbyexpirytermsDetails">
        <link:definition>9954648 - Disclosure - Taxation - Summary of total unused tax losses carried forward analysed by expiry terms (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TaxationBreakdownofcertainnetdeferredtaxassetpositionsbyjurisdictionDetails" roleURI="http://www.ing.com/role/TaxationBreakdownofcertainnetdeferredtaxassetpositionsbyjurisdictionDetails">
        <link:definition>9954649 - Disclosure - Taxation - Breakdown of certain net deferred tax asset positions by jurisdiction (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TaxationSummaryoftaxationbytypeDetails" roleURI="http://www.ing.com/role/TaxationSummaryoftaxationbytypeDetails">
        <link:definition>9954650 - Disclosure - Taxation - Summary of taxation by type (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TaxationReconciliationofweightedaveragestatutoryincometaxratetoeffectiveincometaxrateDetails" roleURI="http://www.ing.com/role/TaxationReconciliationofweightedaveragestatutoryincometaxratetoeffectiveincometaxrateDetails">
        <link:definition>9954651 - Disclosure - Taxation - Reconciliation of weighted average statutory income tax rate to effective income tax rate (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TaxationSummaryofincometaxrelatedtoothercomprehensiveincomeDetails" roleURI="http://www.ing.com/role/TaxationSummaryofincometaxrelatedtoothercomprehensiveincomeDetails">
        <link:definition>9954652 - Disclosure - Taxation - Summary of income tax related to other comprehensive income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TaxationAdditionalinformationDetails" roleURI="http://www.ing.com/role/TaxationAdditionalinformationDetails">
        <link:definition>9954653 - Disclosure - Taxation - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairvalueofassetsandliabilitiesDeferreddayoneprofitorlossreserveDetails" roleURI="http://www.ing.com/role/FairvalueofassetsandliabilitiesDeferreddayoneprofitorlossreserveDetails">
        <link:definition>9954654 - Disclosure - Fair value of assets and liabilities - Deferred day one profit or loss reserve (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairvalueofassetsandliabilitiesSummaryofvaluationadjustmentDetails" roleURI="http://www.ing.com/role/FairvalueofassetsandliabilitiesSummaryofvaluationadjustmentDetails">
        <link:definition>9954655 - Disclosure - Fair value of assets and liabilities - Summary of valuation adjustment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairvalueofassetsandliabilitiesMethodsappliedindeterminingfairvaluesoffinancialassetsandliabilitiescarriedatfairvalueDetail" roleURI="http://www.ing.com/role/FairvalueofassetsandliabilitiesMethodsappliedindeterminingfairvaluesoffinancialassetsandliabilitiescarriedatfairvalueDetail">
        <link:definition>9954656 - Disclosure - Fair value of assets and liabilities - Methods applied in determining fair values of financial assets and liabilities (carried at fair value) (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairvalueofassetsandliabilitiesAdditionalinformationDetails" roleURI="http://www.ing.com/role/FairvalueofassetsandliabilitiesAdditionalinformationDetails">
        <link:definition>9954657 - Disclosure - Fair value of assets and liabilities - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairvalueofassetsandliabilitiesValuationtechniquesandrangeofunobservableinputsDetails" roleURI="http://www.ing.com/role/FairvalueofassetsandliabilitiesValuationtechniquesandrangeofunobservableinputsDetails">
        <link:definition>9954658 - Disclosure - Fair value of assets and liabilities - Valuation techniques and range of unobservable inputs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairvalueofassetsandliabilitiesChangesinlevel3financialassetsDetails" roleURI="http://www.ing.com/role/FairvalueofassetsandliabilitiesChangesinlevel3financialassetsDetails">
        <link:definition>9954659 - Disclosure - Fair value of assets and liabilities - Changes in level 3 financial assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairvalueofassetsandliabilitiesChangesinlevel3financialliabilitiesDetails" roleURI="http://www.ing.com/role/FairvalueofassetsandliabilitiesChangesinlevel3financialliabilitiesDetails">
        <link:definition>9954660 - Disclosure - Fair value of assets and liabilities - Changes in level 3 financial liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairvalueofassetsandliabilitiesSensitivityanalysisoflevel3instrumentsDetails" roleURI="http://www.ing.com/role/FairvalueofassetsandliabilitiesSensitivityanalysisoflevel3instrumentsDetails">
        <link:definition>9954661 - Disclosure - Fair value of assets and liabilities - Sensitivity analysis of level 3 instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairvalueofassetsandliabilitiesMethodsappliedindeterminingfairvaluesoffinancialassetsandliabilitiescarriedatamortisedcostDetail" roleURI="http://www.ing.com/role/FairvalueofassetsandliabilitiesMethodsappliedindeterminingfairvaluesoffinancialassetsandliabilitiescarriedatamortisedcostDetail">
        <link:definition>9954662 - Disclosure - Fair value of assets and liabilities - Methods applied in determining fair values of financial assets and liabilities (carried at amortised cost) (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandhedgeaccountingGrosscarryingvalueofderivativesdesignatedunderfairvaluehedgeaccountingDetails" roleURI="http://www.ing.com/role/DerivativesandhedgeaccountingGrosscarryingvalueofderivativesdesignatedunderfairvaluehedgeaccountingDetails">
        <link:definition>9954663 - Disclosure - Derivatives and hedge accounting - Gross carrying value of derivatives designated under fair value hedge accounting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandhedgeaccountingMaturityderivativesdesignatedinfairvaluehedgingDetails" roleURI="http://www.ing.com/role/DerivativesandhedgeaccountingMaturityderivativesdesignatedinfairvaluehedgingDetails">
        <link:definition>9954664 - Disclosure - Derivatives and hedge accounting - Maturity derivatives designated in fair value hedging (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandhedgeaccountingHedgeditemsincludedinafairvaluehedgingrelationshipDetails" roleURI="http://www.ing.com/role/DerivativesandhedgeaccountingHedgeditemsincludedinafairvaluehedgingrelationshipDetails">
        <link:definition>9954665 - Disclosure - Derivatives and hedge accounting - Hedged items included in a fair value hedging relationship (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandhedgeaccountingGrosscarryingvalueofderivativesusedforcashflowhedgeaccountingDetails" roleURI="http://www.ing.com/role/DerivativesandhedgeaccountingGrosscarryingvalueofderivativesusedforcashflowhedgeaccountingDetails">
        <link:definition>9954666 - Disclosure - Derivatives and hedge accounting - Gross carrying value of derivatives used for cash flow hedge accounting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandhedgeaccountingMaturityderivativesdesignatedincashflowhedgingDetails" roleURI="http://www.ing.com/role/DerivativesandhedgeaccountingMaturityderivativesdesignatedincashflowhedgingDetails">
        <link:definition>9954667 - Disclosure - Derivatives and hedge accounting - Maturity derivatives designated in cash flow hedging (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandhedgeaccountingCashflowhedgingimpactofhedginginstrumentsonthestatementofprofitorlossandothercomprehensiveincomeDetail" roleURI="http://www.ing.com/role/DerivativesandhedgeaccountingCashflowhedgingimpactofhedginginstrumentsonthestatementofprofitorlossandothercomprehensiveincomeDetail">
        <link:definition>9954668 - Disclosure - Derivatives and hedge accounting - Cash flow hedging - impact of hedging instruments on the statement of profit or loss and other comprehensive income (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandhedgeaccountingMovementcashflowhedgereserveDetails" roleURI="http://www.ing.com/role/DerivativesandhedgeaccountingMovementcashflowhedgereserveDetails">
        <link:definition>9954669 - Disclosure - Derivatives and hedge accounting - Movement cash flow hedge reserve (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandhedgeaccountingGrosscarryingvalueofderivativesusedfornetinvestmenthedgingDetails" roleURI="http://www.ing.com/role/DerivativesandhedgeaccountingGrosscarryingvalueofderivativesusedfornetinvestmenthedgingDetails">
        <link:definition>9954670 - Disclosure - Derivatives and hedge accounting - Gross carrying value of derivatives used for net investment hedging (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandhedgeaccountingMaturityderivativesdesignatedinnetinvestmenthedgingDetails" roleURI="http://www.ing.com/role/DerivativesandhedgeaccountingMaturityderivativesdesignatedinnetinvestmenthedgingDetails">
        <link:definition>9954671 - Disclosure - Derivatives and hedge accounting - Maturity derivatives designated in net investment hedging (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandhedgeaccountingNetinvestmenthedgeaccountingimpactonstatementofprofitorlossandothercomprehensiveincomeDetails" roleURI="http://www.ing.com/role/DerivativesandhedgeaccountingNetinvestmenthedgeaccountingimpactonstatementofprofitorlossandothercomprehensiveincomeDetails">
        <link:definition>9954672 - Disclosure - Derivatives and hedge accounting - Net investment hedge accounting - impact on statement of profit or loss and other comprehensive income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandhedgeaccountingAdditionalinformationDetails" roleURI="http://www.ing.com/role/DerivativesandhedgeaccountingAdditionalinformationDetails">
        <link:definition>9954673 - Disclosure - Derivatives and hedge accounting - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AssetsbycontractualmaturitySummaryofassetsbycontractualmaturityDetails" roleURI="http://www.ing.com/role/AssetsbycontractualmaturitySummaryofassetsbycontractualmaturityDetails">
        <link:definition>9954674 - Disclosure - Assets by contractual maturity - Summary of assets by contractual maturity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LiabilitiesandoffbalancesheetcommitmentsbymaturityScheduleofmaturityoffinancialandnonfinancialliabilitiesDetails" roleURI="http://www.ing.com/role/LiabilitiesandoffbalancesheetcommitmentsbymaturityScheduleofmaturityoffinancialandnonfinancialliabilitiesDetails">
        <link:definition>9954675 - Disclosure - Liabilities and off-balance sheet commitments by maturity - Schedule of maturity of financial and non-financial liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TransferoffinancialassetsassetspledgedandreceivedascollateralSummaryofassetspledgedascollateralDetails" roleURI="http://www.ing.com/role/TransferoffinancialassetsassetspledgedandreceivedascollateralSummaryofassetspledgedascollateralDetails">
        <link:definition>9954676 - Disclosure - Transfer of financial assets, assets pledged and received as collateral - Summary of assets pledged as collateral (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TransferoffinancialassetsassetspledgedandreceivedascollateralAdditionalinformationDetails" roleURI="http://www.ing.com/role/TransferoffinancialassetsassetspledgedandreceivedascollateralAdditionalinformationDetails">
        <link:definition>9954677 - Disclosure - Transfer of financial assets, assets pledged and received as collateral - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TransferoffinancialassetsassetspledgedandreceivedascollateralScheduleoffinancialassetsreceivedascollateralDetails" roleURI="http://www.ing.com/role/TransferoffinancialassetsassetspledgedandreceivedascollateralScheduleoffinancialassetsreceivedascollateralDetails">
        <link:definition>9954678 - Disclosure - Transfer of financial assets, assets pledged and received as collateral - Schedule of financial assets received as collateral (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TransferoffinancialassetsassetspledgedandreceivedascollateralScheduleoftransferoffinancialassetsnotqualifyingforderecognitionDetails" roleURI="http://www.ing.com/role/TransferoffinancialassetsassetspledgedandreceivedascollateralScheduleoftransferoffinancialassetsnotqualifyingforderecognitionDetails">
        <link:definition>9954679 - Disclosure - Transfer of financial assets, assets pledged and received as collateral - Schedule of transfer of financial assets not qualifying for derecognition (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OffsettingfinancialassetsandliabilitiesSummaryoffinancialassetssubjecttooffsettingenforceablemasternettingarrangementsandsimilaragreementsDetails" roleURI="http://www.ing.com/role/OffsettingfinancialassetsandliabilitiesSummaryoffinancialassetssubjecttooffsettingenforceablemasternettingarrangementsandsimilaragreementsDetails">
        <link:definition>9954680 - Disclosure - Offsetting financial assets and liabilities - Summary of financial assets subject to offsetting, enforceable master netting arrangements and similar agreements (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OffsettingfinancialassetsandliabilitiesSummaryoffinancialliabilitiessubjecttooffsettingenforceablemasternettingarrangementsandsimilaragreementsDetails" roleURI="http://www.ing.com/role/OffsettingfinancialassetsandliabilitiesSummaryoffinancialliabilitiessubjecttooffsettingenforceablemasternettingarrangementsandsimilaragreementsDetails">
        <link:definition>9954681 - Disclosure - Offsetting financial assets and liabilities - Summary of financial liabilities subject to offsetting, enforceable master netting arrangements and similar agreements (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ContingentliabilitiesandcommitmentsSummaryofcontingentliabilitiesandcommitmentsDetails" roleURI="http://www.ing.com/role/ContingentliabilitiesandcommitmentsSummaryofcontingentliabilitiesandcommitmentsDetails">
        <link:definition>9954682 - Disclosure - Contingent liabilities and commitments - Summary of contingent liabilities and commitments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ContingentliabilitiesandcommitmentsNarrativeDetails" roleURI="http://www.ing.com/role/ContingentliabilitiesandcommitmentsNarrativeDetails">
        <link:definition>9954683 - Disclosure - Contingent liabilities and commitments - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LegalproceedingsAdditionalinformationDetails" roleURI="http://www.ing.com/role/LegalproceedingsAdditionalinformationDetails">
        <link:definition>9954684 - Disclosure - Legal proceedings - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedCompaniesandBusinessAcquiredandDivestedAdditionalInformationDetail" roleURI="http://www.ing.com/role/ConsolidatedCompaniesandBusinessAcquiredandDivestedAdditionalInformationDetail">
        <link:definition>9954685 - Disclosure - Consolidated Companies and Business Acquired and Divested - Additional Information (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PrincipalsubsidiariesinvestmentsinassociatesandjointventuresSummaryofprincipalsubsidiariesinvestmentsinassociatesandjointventuresDetails" roleURI="http://www.ing.com/role/PrincipalsubsidiariesinvestmentsinassociatesandjointventuresSummaryofprincipalsubsidiariesinvestmentsinassociatesandjointventuresDetails">
        <link:definition>9954686 - Disclosure - Principal subsidiaries, investments in associates and joint ventures - Summary of principal subsidiaries, investments in associates and joint ventures (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StructuredentitiesAdditionalinformationDetails" roleURI="http://www.ing.com/role/StructuredentitiesAdditionalinformationDetails">
        <link:definition>9954687 - Disclosure - Structured entities - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StructuredentitiesCoveredbondprogrammeDetails" roleURI="http://www.ing.com/role/StructuredentitiesCoveredbondprogrammeDetails">
        <link:definition>9954688 - Disclosure - Structured entities - Covered bond programme (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedpartiesTransactionswithassociatesandjointventuresDetails" roleURI="http://www.ing.com/role/RelatedpartiesTransactionswithassociatesandjointventuresDetails">
        <link:definition>9954689 - Disclosure - Related parties - Transactions with associates and joint ventures (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedpartiesSummaryofkeymanagementpersonnelcompensationExecutiveBoardandManagementBoardBankingDetails" roleURI="http://www.ing.com/role/RelatedpartiesSummaryofkeymanagementpersonnelcompensationExecutiveBoardandManagementBoardBankingDetails">
        <link:definition>9954690 - Disclosure - Related parties - Summary of key management personnel compensation (Executive Board and Management Board Banking) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedpartiesSummaryofkeymanagementpersonnelcompensationSupervisoryBoardDetails" roleURI="http://www.ing.com/role/RelatedpartiesSummaryofkeymanagementpersonnelcompensationSupervisoryBoardDetails">
        <link:definition>9954691 - Disclosure - Related parties - Summary of key management personnel compensation (Supervisory Board) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedpartiesNumberofINGGroepNVsharesandstockoptionstokeymanagementpersonnelDetails" roleURI="http://www.ing.com/role/RelatedpartiesNumberofINGGroepNVsharesandstockoptionstokeymanagementpersonnelDetails">
        <link:definition>9954692 - Disclosure - Related parties - Number of ING Groep N.V. shares and stock options to key management personnel (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedpartiesAdditionalinformationDetails" roleURI="http://www.ing.com/role/RelatedpartiesAdditionalinformationDetails">
        <link:definition>9954693 - Disclosure - Related parties - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CapitalmanagementINGcapitalpositionDetails" roleURI="http://www.ing.com/role/CapitalmanagementINGcapitalpositionDetails">
        <link:definition>9954694 - Disclosure - Capital management - ING capital position (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CapitalmanagementAdditionalinformationDetails" roleURI="http://www.ing.com/role/CapitalmanagementAdditionalinformationDetails">
        <link:definition>9954695 - Disclosure - Capital management - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedfinancialinformationoftheparentcompanyStatementoffinancialpositionDetails" roleURI="http://www.ing.com/role/CondensedfinancialinformationoftheparentcompanyStatementoffinancialpositionDetails">
        <link:definition>9954696 - Disclosure - Condensed financial information of the parent company - Statement of financial position (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedfinancialinformationoftheparentcompanyStatementofprofitorlossDetails" roleURI="http://www.ing.com/role/CondensedfinancialinformationoftheparentcompanyStatementofprofitorlossDetails">
        <link:definition>9954697 - Disclosure - Condensed financial information of the parent company - Statement of profit or loss (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedfinancialinformationoftheparentcompanyStatementofchangesinequityDetails" roleURI="http://www.ing.com/role/CondensedfinancialinformationoftheparentcompanyStatementofchangesinequityDetails">
        <link:definition>9954698 - Disclosure - Condensed financial information of the parent company - Statement of changes in equity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedfinancialinformationoftheparentcompanyStatementofchangesincashflowsDetails" roleURI="http://www.ing.com/role/CondensedfinancialinformationoftheparentcompanyStatementofchangesincashflowsDetails">
        <link:definition>9954699 - Disclosure - Condensed financial information of the parent company - Statement of changes in cash flows (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedfinancialinformationoftheparentcompanyFiveyearscheduleofmaturitiesofdebtDetails" roleURI="http://www.ing.com/role/CondensedfinancialinformationoftheparentcompanyFiveyearscheduleofmaturitiesofdebtDetails">
        <link:definition>9954700 - Disclosure - Condensed financial information of the parent company - Five-year schedule of maturities of debt (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedfinancialinformationoftheparentcompanyAdditionalinformationDetails" roleURI="http://www.ing.com/role/CondensedfinancialinformationoftheparentcompanyAdditionalinformationDetails">
        <link:definition>9954701 - Disclosure - Condensed financial information of the parent company - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="ing_BelgiumAndLuxembourgMember" abstract="true" name="BelgiumAndLuxembourgMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LaterThanThreeMonthsAndNotLaterThanTwelveMonthsMember" abstract="true" name="LaterThanThreeMonthsAndNotLaterThanTwelveMonthsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AccountingForTargetedLongerTermRefinancingOperationsExplanatoryPolicyTextBlock" abstract="false" name="AccountingForTargetedLongerTermRefinancingOperationsExplanatoryPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ForbearanceMember" abstract="true" name="ForbearanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DeferredTaxAssetForRightOfUseAssets" abstract="false" name="DeferredTaxAssetForRightOfUseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FundingRateTLTROIIISeries3" abstract="false" name="FundingRateTLTROIIISeries3" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ing_ReservedProfitNotIncludedInCommonEquityTierOneCapital" abstract="false" name="ReservedProfitNotIncludedInCommonEquityTierOneCapital" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CorporateLineMember" abstract="true" name="CorporateLineMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RemainingFinancialLiabilitiesClassifiedAsLevel3ThatIncorporatesCertainInputsThatAreUnobservable" abstract="false" name="RemainingFinancialLiabilitiesClassifiedAsLevel3ThatIncorporatesCertainInputsThatAreUnobservable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_USDLIBORICESwapRateMember" abstract="true" name="USDLIBORICESwapRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ValueToLoanCategorizationMember" abstract="true" name="ValueToLoanCategorizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_InterestPaidUnderTLTROIIIProgramme" abstract="false" name="InterestPaidUnderTLTROIIIProgramme" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PercentageOfNotionalAmountsOfHedgingInstruments" abstract="false" name="PercentageOfNotionalAmountsOfHedgingInstruments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_DisclosureOfInterestIncomeAndExpenseAbstract" abstract="true" name="DisclosureOfInterestIncomeAndExpenseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_PerpetualAdditionalTier1ContingentConvertibleCapitalSecuritiesMember" abstract="true" name="PerpetualAdditionalTier1ContingentConvertibleCapitalSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_HyperinflationaryAccountingNetProfitLoss" abstract="false" name="HyperinflationaryAccountingNetProfitLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherCoversMember" abstract="true" name="OtherCoversMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ManagementAdjustmentsExplanatoryTableTextBlock" abstract="false" name="ManagementAdjustmentsExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfSecuritiesAtAmortisedCostsExplanatory" abstract="false" name="DisclosureOfSecuritiesAtAmortisedCostsExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_NegativeInterestIncomeOnLiabilities" abstract="false" name="NegativeInterestIncomeOnLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ExternalEmployeeExpense" abstract="false" name="ExternalEmployeeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_EducationExpense" abstract="false" name="EducationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DerivativeAtCreditMember" abstract="true" name="DerivativeAtCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DecreaseInFullyLoadedCommonEquityTierOneCapitalPercentage" abstract="false" name="DecreaseInFullyLoadedCommonEquityTierOneCapitalPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_SupplementaryCapitalTierBondsAsPerCRRCRDIVGrandfatheringRules" abstract="false" name="SupplementaryCapitalTierBondsAsPerCRRCRDIVGrandfatheringRules" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SignificantUnobservableInputsOther" abstract="false" name="SignificantUnobservableInputsOther" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ing_DisclosureOfSignificantInvestmentsInPrincipalSubsidiariesAssociatesAndJointVenturesLineItems" abstract="true" name="DisclosureOfSignificantInvestmentsInPrincipalSubsidiariesAssociatesAndJointVenturesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_WeightedAverageBasicActuarialAssumptionOfDiscountRatesOnOtherPostEmploymentBenefits" abstract="false" name="WeightedAverageBasicActuarialAssumptionOfDiscountRatesOnOtherPostEmploymentBenefits" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_ContributionsToInstitutionalProtectionScheme" abstract="false" name="ContributionsToInstitutionalProtectionScheme" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_StageOneCreditImpairmentMember" abstract="true" name="StageOneCreditImpairmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfSignificantAccountingPoliciesLineItems" abstract="true" name="DisclosureOfSignificantAccountingPoliciesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_GainsLossesOnAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossExcludingTrading" abstract="false" name="GainsLossesOnAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossExcludingTrading" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NumberOfClassActionsFiled" abstract="false" name="NumberOfClassActionsFiled" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ing_GrossDomesticProductEconomicVariableMember" abstract="true" name="GrossDomesticProductEconomicVariableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RetailBankingMember" abstract="true" name="RetailBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughCapitalisedExpensesIntangibleAssetsAndGoodwill" abstract="false" name="IncreaseDecreaseThroughCapitalisedExpensesIntangibleAssetsAndGoodwill" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_INGBelgiumSANVMember" abstract="true" name="INGBelgiumSANVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ChangesInOperatingAssetsAndLiabilitiesAbstract" abstract="true" name="ChangesInOperatingAssetsAndLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfLegalProceedingsExplanatoryTextBlock" abstract="false" name="DisclosureOfLegalProceedingsExplanatoryTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_BusinessLendingPerformingPastDueMember" abstract="true" name="BusinessLendingPerformingPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_MaturityNotApplicableMember" abstract="true" name="MaturityNotApplicableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SingleResolutionFundMember" abstract="true" name="SingleResolutionFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_WithoutEuIas39CarveOutMember" abstract="true" name="WithoutEuIas39CarveOutMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_InterestExpensesCalculatedUsingEffectiveInterestMethod" abstract="false" name="InterestExpensesCalculatedUsingEffectiveInterestMethod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfDebtSecuritiesContractualMaturityScheduleTableTextBlock" abstract="false" name="DisclosureOfDebtSecuritiesContractualMaturityScheduleTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ClassesOfShareCapitalAndSharePremiumMember" abstract="true" name="ClassesOfShareCapitalAndSharePremiumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ManagementBoardOfINGBankNVMember" abstract="true" name="ManagementBoardOfINGBankNVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LoanLossProvisionsForGuaranteesMember" abstract="true" name="LoanLossProvisionsForGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IndividualSavingsAllowancePercentage" abstract="false" name="IndividualSavingsAllowancePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_TransitionalCommonEquityTierOneCapitalRequiredPercentage" abstract="false" name="TransitionalCommonEquityTierOneCapitalRequiredPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_FinancialAssetsPledgedAsCollateralTable" abstract="true" name="FinancialAssetsPledgedAsCollateralTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_PercentageOfVolumeIncreaseDecrease" abstract="false" name="PercentageOfVolumeIncreaseDecrease" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_TMBThanachartBankPublicCompanyLimitedBankOfBeijingMember" abstract="true" name="TMBThanachartBankPublicCompanyLimitedBankOfBeijingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PrivateIndividualsMember" abstract="true" name="PrivateIndividualsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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"/>
  <xs:element id="ing_UnlimitedMember" abstract="true" name="UnlimitedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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"/>
  <xs:element id="ing_AccumulatedRevaluationSurplusMember" abstract="true" name="AccumulatedRevaluationSurplusMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_GainLossOnRealizedTransferredToTheStatementOfProfitOrLoss" abstract="false" name="GainLossOnRealizedTransferredToTheStatementOfProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfForborneAssetsExplanatoryTableTextBlock" abstract="false" name="DisclosureOfForborneAssetsExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_AssetClassCategoryAverageThresholdInvestmentGradeExplanatoryTableTextBlock" abstract="false" name="AssetClassCategoryAverageThresholdInvestmentGradeExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfFinancialInstrumentExposureTable" abstract="true" name="DisclosureOfFinancialInstrumentExposureTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_ReleaseToProfitLossMember" abstract="true" name="ReleaseToProfitLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherFinancialInstrumentMember" abstract="true" name="OtherFinancialInstrumentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfLegalProceedingsLineItems" abstract="true" name="DisclosureOfLegalProceedingsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_SignificantUnobservableInputsBasisPointSpread" abstract="false" name="SignificantUnobservableInputsBasisPointSpread" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ing_OtherPostModelAdjustmentsManagementAdjustments" abstract="false" name="OtherPostModelAdjustmentsManagementAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DilutedNumberOfShares" abstract="false" name="DilutedNumberOfShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_DisclosureOfIncreaseDecreaseInCashAndBankBalanceWithCentralBankTableTextBlock" abstract="false" name="DisclosureOfIncreaseDecreaseInCashAndBankBalanceWithCentralBankTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DiscontinuedHedgesMember" abstract="true" name="DiscontinuedHedgesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PerformingExposureMember" abstract="true" name="PerformingExposureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_KeyManagementPersonnelCompensationDeferredCash" abstract="false" name="KeyManagementPersonnelCompensationDeferredCash" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AgingAnalysisPastDueButPerformingExplanatoryTableTextBlock" abstract="false" name="AgingAnalysisPastDueButPerformingExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_EquityVolatilityMember" abstract="true" name="EquityVolatilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DvaMember" abstract="true" name="DvaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DebtInstrumentDomain" abstract="true" name="DebtInstrumentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_EuroFixedRateSubordinatedTier2Notes2023Member" abstract="true" name="EuroFixedRateSubordinatedTier2Notes2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TierOneCapitalAmount" abstract="false" name="TierOneCapitalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CrossCurrencyInterestRateSwapContractMember" abstract="true" name="CrossCurrencyInterestRateSwapContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_MortgagePortfolioAdjustments" abstract="false" name="MortgagePortfolioAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AccruedAssets" abstract="false" name="AccruedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IngCommercialFinanceBvMember" abstract="true" name="IngCommercialFinanceBvMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_EconomicSectorBasedAdjustments" abstract="false" name="EconomicSectorBasedAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ExpectedCreditLossesSensitivityYearOne" abstract="false" name="ExpectedCreditLossesSensitivityYearOne" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_CarryingAmount1Member" abstract="true" name="CarryingAmount1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FundingRateTLTROIII" abstract="false" name="FundingRateTLTROIII" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ing_ReceivablesRelatedToSecuritiesInRepurchaseTransactionsMemberMember" abstract="true" name="ReceivablesRelatedToSecuritiesInRepurchaseTransactionsMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfCoveredBondProgrammeTableTextBlock" abstract="false" name="DisclosureOfCoveredBondProgrammeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DerivativeFinancialInstrumentsToTransitionToAlternativeBenchmarksTableTextBlock" abstract="false" name="DerivativeFinancialInstrumentsToTransitionToAlternativeBenchmarksTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_MaturityDateBeyondDecember2027Member" abstract="true" name="MaturityDateBeyondDecember2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SecuritiesInReverseRepurchaseTransactionMember" abstract="true" name="SecuritiesInReverseRepurchaseTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FinancialAssetsReceivedAsCollateralLineItems" abstract="true" name="FinancialAssetsReceivedAsCollateralLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_DescriptionOfAccountingPolicyForProvisionsContingentLiabilitiesAndContingentAssetsExplanatoryPolicyTextBlock" abstract="false" name="DescriptionOfAccountingPolicyForProvisionsContingentLiabilitiesAndContingentAssetsExplanatoryPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_MacroEconomicScenarioAxis" abstract="true" name="MacroEconomicScenarioAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_NoCoverMember" abstract="true" name="NoCoverMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RevaluationReserveEquitySecuritiesMember" abstract="true" name="RevaluationReserveEquitySecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_KeyManagementPersonnelCompensationCollectiveFixedAllowances" abstract="false" name="KeyManagementPersonnelCompensationCollectiveFixedAllowances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTable" abstract="true" name="DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_GeneralIndustriesMember" abstract="true" name="GeneralIndustriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_WatchListMember" abstract="true" name="WatchListMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfStaffExpenseIncludingPensionAndOtherStaffRelatedCostTableTextBlock" abstract="false" name="DisclosureOfStaffExpenseIncludingPensionAndOtherStaffRelatedCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_GeographicalSegmentsBankingMember" abstract="true" name="GeographicalSegmentsBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_GlobalGdpRateIncreaseDecreaseAssumed" abstract="false" name="GlobalGdpRateIncreaseDecreaseAssumed" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_CommonEquityTierOneCapitalRatio1" abstract="false" name="CommonEquityTierOneCapitalRatio1" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_USDLondonInterbankOfferedRateLIBORMember" abstract="true" name="USDLondonInterbankOfferedRateLIBORMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RegulatoryAdjustmentsTier2" abstract="false" name="RegulatoryAdjustmentsTier2" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PaymentServicesFeeAndCommissionIncome" abstract="false" name="PaymentServicesFeeAndCommissionIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FinancialAssetsPledgedAsCollateralLineItems" abstract="true" name="FinancialAssetsPledgedAsCollateralLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_InternalGradeSixMember" abstract="true" name="InternalGradeSixMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" abstract="false" name="AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ShareRepurchaseProgramThreeMember" abstract="true" name="ShareRepurchaseProgramThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IntersoftwareHoldingBVMember" abstract="true" name="IntersoftwareHoldingBVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherPostEmploymentBenefitsMember" abstract="true" name="OtherPostEmploymentBenefitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_A500mCallableFloatingRateSeniorNotesDue2027Member" abstract="true" name="A500mCallableFloatingRateSeniorNotesDue2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PensionAndOtherPostEmploymentBenefitsDefinedContributionPlans" abstract="false" name="PensionAndOtherPostEmploymentBenefitsDefinedContributionPlans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AdjustmentOfEUIAS39Carveout" abstract="false" name="AdjustmentOfEUIAS39Carveout" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DerivativesByBenchmarkRateMember" abstract="true" name="DerivativesByBenchmarkRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherEconomicSectorMember" abstract="true" name="OtherEconomicSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInDebtSecurities" abstract="false" name="OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInDebtSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherLiabilitiesSubjectToOffsetting" abstract="false" name="OtherLiabilitiesSubjectToOffsetting" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfCustomerDepositsLineItems" abstract="true" name="DisclosureOfCustomerDepositsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_PriceSignificantUnobservableInputs" abstract="false" name="PriceSignificantUnobservableInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="ing_DisclosureOfTaxCreditAdjustmentByGeographicalAreaExplanatory" abstract="false" name="DisclosureOfTaxCreditAdjustmentByGeographicalAreaExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_CountercyclicalBufferMember" abstract="true" name="CountercyclicalBufferMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LendingBusinessFeeAndCommissionIncome" abstract="false" name="LendingBusinessFeeAndCommissionIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherInvestmentsDisposedMember" abstract="true" name="OtherInvestmentsDisposedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReserveFromShareOfChangesInEquitiesOfAssociatesAndJointVenture" abstract="false" name="ReserveFromShareOfChangesInEquitiesOfAssociatesAndJointVenture" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_MiscellaneousOtherAssets" abstract="false" name="MiscellaneousOtherAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ExpenseFromEquitySettledSharebasedPaymentArrangement" abstract="false" name="ExpenseFromEquitySettledSharebasedPaymentArrangement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncludedInCashAndCashEquivalentsOfDepositsFromBanks" abstract="false" name="IncludedInCashAndCashEquivalentsOfDepositsFromBanks" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DebtSecuritiesAndLoansAndAdvancesMember" abstract="true" name="DebtSecuritiesAndLoansAndAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OwnershipInterestHeldInEquityBasedInvestments" abstract="false" name="OwnershipInterestHeldInEquityBasedInvestments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_DescriptionOfAccountingPolicyForParentCompanyAccountsPolicyTextBlock" abstract="false" name="DescriptionOfAccountingPolicyForParentCompanyAccountsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_PercentageSignificantUnobservableInputs" abstract="false" name="PercentageSignificantUnobservableInputs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_InterestIncomeRiskNettingMember" abstract="true" name="InterestIncomeRiskNettingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfSignificantAccountingPoliciesAbstract" abstract="true" name="DisclosureOfSignificantAccountingPoliciesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_KeyManagementPersonnelCompensationDeferredShares" abstract="false" name="KeyManagementPersonnelCompensationDeferredShares" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_MaximumDistributableAmountManagementBasisPointsBuffer" abstract="false" name="MaximumDistributableAmountManagementBasisPointsBuffer" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_ImpliedVolatilityMember" abstract="true" name="ImpliedVolatilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PercentageForNoCovers" abstract="false" name="PercentageForNoCovers" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_NonDistributableReserves" abstract="false" name="NonDistributableReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SaleAndRepurchaseOfDebtSecuritiesMember" abstract="true" name="SaleAndRepurchaseOfDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SharesRepurchasedAveragePricePerShare" abstract="false" name="SharesRepurchasedAveragePricePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="ing_ProvisionForHyperinflationaryImpact" abstract="false" name="ProvisionForHyperinflationaryImpact" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_UnusedTaxLossesCarriedForward" abstract="false" name="UnusedTaxLossesCarriedForward" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfLiabilitiesByMaturityScheduleLineItems" abstract="true" name="DisclosureOfLiabilitiesByMaturityScheduleLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_CcccreditgradesMember" abstract="true" name="CcccreditgradesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_BaselineMember" abstract="true" name="BaselineMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CashFlowsFromInvestingActivitiesAbstract" abstract="true" name="CashFlowsFromInvestingActivitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_RevenueExcludingHyperinflationaryImpacts" abstract="false" name="RevenueExcludingHyperinflationaryImpacts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ReclassificationFairValueMeasurementAssets" abstract="false" name="ReclassificationFairValueMeasurementAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_RetailRomaniaMember" abstract="true" name="RetailRomaniaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TradingIncomeExpenseOnSecurities" abstract="false" name="TradingIncomeExpenseOnSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfDepositsFromBanksLineItems" abstract="true" name="DisclosureOfDepositsFromBanksLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_PercentageOfOutstandingLoansCoverageRatio" abstract="false" name="PercentageOfOutstandingLoansCoverageRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_CentralBanksMember" abstract="true" name="CentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PayerAndReceiverSwapNettingMember" abstract="true" name="PayerAndReceiverSwapNettingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CashGeneratingUnitMember" abstract="true" name="CashGeneratingUnitMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DecreaseThroughShareBasedPaymentTransactionsShares" abstract="false" name="DecreaseThroughShareBasedPaymentTransactionsShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_CreditExposureRecognizedThroughProfitAndLoss" abstract="false" name="CreditExposureRecognizedThroughProfitAndLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IrrevocablePaymentCommitmentsMember" abstract="true" name="IrrevocablePaymentCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CouponInterestDueOnFinancialLiabilities" abstract="false" name="CouponInterestDueOnFinancialLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfTaxationExplanatory" abstract="false" name="DisclosureOfTaxationExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_NonDerivativeFinancialInstrumentsToTransitionToAlternativeBenchmarksMember" abstract="true" name="NonDerivativeFinancialInstrumentsToTransitionToAlternativeBenchmarksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_BidofferMember" abstract="true" name="BidofferMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PercentageOfCoverValuesIncreaseDecrease" abstract="false" name="PercentageOfCoverValuesIncreaseDecrease" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_DisclosureOfSignificantInvestmentsInPrincipalSubsidiariesAssociatesAndJointVenturesAbstract" abstract="true" name="DisclosureOfSignificantInvestmentsInPrincipalSubsidiariesAssociatesAndJointVenturesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_CompensationOfDutchRetailCustomersMember" abstract="true" name="CompensationOfDutchRetailCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NonCreditReplacementGuaranteesMember" abstract="true" name="NonCreditReplacementGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OSiiMember" abstract="true" name="OSiiMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PriceBasedMember" abstract="true" name="PriceBasedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FullyloadedMember" abstract="true" name="FullyloadedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherNonTradingDerivativesMember" abstract="true" name="OtherNonTradingDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LaterThanTenYearsAndNotLaterThanTwentyYearsMember" abstract="true" name="LaterThanTenYearsAndNotLaterThanTwentyYearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" abstract="false" name="FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughChangesInCompositionOfTheGroupAndOtherChanges" abstract="false" name="IncreaseDecreaseThroughChangesInCompositionOfTheGroupAndOtherChanges" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherProvisionsBeforeLoanLoss" abstract="false" name="OtherProvisionsBeforeLoanLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TradingAssetsAndSecuritiesAtFairValueThroughProfitOrLossMember" abstract="true" name="TradingAssetsAndSecuritiesAtFairValueThroughProfitOrLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IrrevocableFacilities" abstract="false" name="IrrevocableFacilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CorporateBondsMember" abstract="true" name="CorporateBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherStaffRelatedBenefitsDefinedContributionPlans" abstract="false" name="OtherStaffRelatedBenefitsDefinedContributionPlans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_MortgageLoans" abstract="false" name="MortgageLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FairValuePledgedMortgageLoans" abstract="false" name="FairValuePledgedMortgageLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseDecreaseInCompositionOfGroupAndOtherChanges" abstract="false" name="IncreaseDecreaseInCompositionOfGroupAndOtherChanges" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ExpenseFromCashSettledSharebasedPaymentArrangement" abstract="false" name="ExpenseFromCashSettledSharebasedPaymentArrangement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TargetedLongerTermRefinancingMember" abstract="true" name="TargetedLongerTermRefinancingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_GrossCarryingAmountPerIFRS9StageAndRatingClassExplanatoryTableTextBlock" abstract="false" name="GrossCarryingAmountPerIFRS9StageAndRatingClassExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfNumberAndWeightedAverageGrantFairValuePricesOfShareAwardsTableTextBlock" abstract="false" name="DisclosureOfNumberAndWeightedAverageGrantFairValuePricesOfShareAwardsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ScheduleOfOtherAssetsExplanatoryTableTextBlock" abstract="false" name="ScheduleOfOtherAssetsExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfDetailedInformationAboutCapitalManagementExplanatory" abstract="false" name="DisclosureOfDetailedInformationAboutCapitalManagementExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfIncomeTaxesTable" abstract="true" name="DisclosureOfIncomeTaxesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfFinancialInstrumentExposureLineItems" abstract="true" name="DisclosureOfFinancialInstrumentExposureLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_ChemicalsHealthPharmaceuticalsMember" abstract="true" name="ChemicalsHealthPharmaceuticalsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_EurozoneMember" abstract="true" name="EurozoneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NegativeRemeasurementOfReserveMember" abstract="true" name="NegativeRemeasurementOfReserveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NonInterestBearingCustomerDeposits" abstract="false" name="NonInterestBearingCustomerDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AdditionsToContingentLiabilities" abstract="false" name="AdditionsToContingentLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CommonEquityAndFullyLoadedCommonEquityTierOneCapitalPercentage" abstract="false" name="CommonEquityAndFullyLoadedCommonEquityTierOneCapitalPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_CustomerDepositsByCustomerAxis" abstract="true" name="CustomerDepositsByCustomerAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfLoansAndAdvancesToBanksByGeographyExplanatory" abstract="false" name="DisclosureOfLoansAndAdvancesToBanksByGeographyExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_CommonEquityTierOneCapitalAmount" abstract="false" name="CommonEquityTierOneCapitalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_A6083CallableFixedToFloatingRateSeniorNotesDue2027Member" abstract="true" name="A6083CallableFixedToFloatingRateSeniorNotesDue2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ImpactOfInterestRateVolatilityEUIAS39CarveOutAdjustment" abstract="false" name="ImpactOfInterestRateVolatilityEUIAS39CarveOutAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_BoursoramaMember" abstract="true" name="BoursoramaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherAssetsIncludingCurrentAndDeferredTaxAssets" abstract="false" name="OtherAssetsIncludingCurrentAndDeferredTaxAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ProvisionsBeforeLoanLossMember" abstract="true" name="ProvisionsBeforeLoanLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TelecomMember" abstract="true" name="TelecomMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NetDefinedBenefitAssetsLiabilitiesMember" abstract="true" name="NetDefinedBenefitAssetsLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_EuIas39CarveOutMember" abstract="true" name="EuIas39CarveOutMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CapitalRatio" abstract="false" name="CapitalRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_InternalGradeSevenMember" abstract="true" name="InternalGradeSevenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareRepurchaseProgramOneMember" abstract="true" name="ShareRepurchaseProgramOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_UtilitiesMember" abstract="true" name="UtilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CreditDebtSecuritiesLoansStructuredNotesCreditDerivativesMember" abstract="true" name="CreditDebtSecuritiesLoansStructuredNotesCreditDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_MostImportantInterestRateAndCreditSpreadSensitivitiesExplanatoryTableTextBlock" abstract="false" name="MostImportantInterestRateAndCreditSpreadSensitivitiesExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DescriptionOfAccountingPolicyForOtherLiabilitiesExplanatoryPolicyTextBlock" abstract="false" name="DescriptionOfAccountingPolicyForOtherLiabilitiesExplanatoryPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ScheduleOfAssetsNotFreelyDisposableExplanatoryExplanatoryTableTextBlock" abstract="false" name="ScheduleOfAssetsNotFreelyDisposableExplanatoryExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_CapitalConservationBufferMember" abstract="true" name="CapitalConservationBufferMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DebtSecuritiesPortfolioMember" abstract="true" name="DebtSecuritiesPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" abstract="false" name="IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ContingentLiabilityForDiscountedBillsMember" abstract="true" name="ContingentLiabilityForDiscountedBillsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseInUnrealisedRevaluations" abstract="false" name="IncreaseDecreaseInUnrealisedRevaluations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureInInvestmentsInAssociatesAndJointVenturesExplanatoryTableTextBlock" abstract="false" name="DisclosureInInvestmentsInAssociatesAndJointVenturesExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_IncreaseDecreaseInEffectiveTaxPillarTwoTopUp" abstract="false" name="IncreaseDecreaseInEffectiveTaxPillarTwoTopUp" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AutomotiveMember" abstract="true" name="AutomotiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SecuritiesBusinessFeeAndCommissionExpense" abstract="false" name="SecuritiesBusinessFeeAndCommissionExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SecuritiesAtAmortisedCost" abstract="false" name="SecuritiesAtAmortisedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfSecuritiesAtAmortisedCostAbstract" abstract="true" name="DisclosureOfSecuritiesAtAmortisedCostAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfKeyManagementPersonnelCompensationAbstract" abstract="true" name="DisclosureOfKeyManagementPersonnelCompensationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_PensionAndOtherPostEmploymentBenefit" abstract="false" name="PensionAndOtherPostEmploymentBenefit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TotalECLCollectiveAssessment" abstract="false" name="TotalECLCollectiveAssessment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_UnusedTaxLossesCarriedForwardRecognisedAsDeferredTaxAsset" abstract="false" name="UnusedTaxLossesCarriedForwardRecognisedAsDeferredTaxAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_RealEstate1Member" abstract="true" name="RealEstate1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_VoyaFinancialIncMember" abstract="true" name="VoyaFinancialIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DerivativeFinancialInstrumentsToTransitionToAlternativeBenchmarksMember" abstract="true" name="DerivativeFinancialInstrumentsToTransitionToAlternativeBenchmarksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_EquityAndForeignExchangeCorrelationMember" abstract="true" name="EquityAndForeignExchangeCorrelationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TypeOfSwapDomain" abstract="true" name="TypeOfSwapDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherCashDistributionsPerShare" abstract="false" name="OtherCashDistributionsPerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="ing_AmortisationAndExchangeDifferencesMember" abstract="true" name="AmortisationAndExchangeDifferencesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_StatementOfCashFlowsTable" abstract="true" name="StatementOfCashFlowsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_SaleAndRepurchaseOfEquitySecuritiesMember" abstract="true" name="SaleAndRepurchaseOfEquitySecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_UndrawnCommitmentsMember" abstract="true" name="UndrawnCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TradingIncomeExpenseLineItems" abstract="true" name="TradingIncomeExpenseLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_LoansAndAdvancesMember" abstract="true" name="LoansAndAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NaturalResourcesMember" abstract="true" name="NaturalResourcesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_A4252CallableFixedToFloatingRateSeniorNotesDue2033Member" abstract="true" name="A4252CallableFixedToFloatingRateSeniorNotesDue2033Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PositiveFairValueMovementsUsingPossibleAlternatives" abstract="false" name="PositiveFairValueMovementsUsingPossibleAlternatives" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherSegmentMember" abstract="true" name="OtherSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ClassOfLevel3AssetsAndLiabilitiesByTypeAxis" abstract="true" name="ClassOfLevel3AssetsAndLiabilitiesByTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_InvestmentAndOtherIncome" abstract="false" name="InvestmentAndOtherIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FixedRateSeniorNoesDue20273950PercentMember" abstract="true" name="FixedRateSeniorNoesDue20273950PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SubstandardGradeMember" abstract="true" name="SubstandardGradeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ConsumerLendingMember" abstract="true" name="ConsumerLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AssetsNotFreelyDisposableTable" abstract="true" name="AssetsNotFreelyDisposableTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_CallableFixedToFloatingRateSeniorNotesDue20271726PercentMember" abstract="true" name="CallableFixedToFloatingRateSeniorNotesDue20271726PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfInvestmentsInAssociatesAndJointVenturesLineItems" abstract="true" name="DisclosureOfInvestmentsInAssociatesAndJointVenturesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_InterestIncomeNotUsingEffectiveInterestMethod" abstract="false" name="InterestIncomeNotUsingEffectiveInterestMethod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ShareBuybackProgrammeCancelledShares" abstract="false" name="ShareBuybackProgrammeCancelledShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_ReconciliationOfModelECLToTotalECLExplanatoryTableTextBlock" abstract="false" name="ReconciliationOfModelECLToTotalECLExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_NegativeFairValueMovementsUsingPossibleAlternatives" abstract="false" name="NegativeFairValueMovementsUsingPossibleAlternatives" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NumberOfSavingsAllowances" abstract="false" name="NumberOfSavingsAllowances" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ing_NetBankingCurrencyExposuresBankingBooksExplanatoryTableTextBlock" abstract="false" name="NetBankingCurrencyExposuresBankingBooksExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" abstract="false" name="AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InvestmentInBankOfBeijingMember" abstract="true" name="InvestmentInBankOfBeijingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfLiabilitiesByMaturityLiquidityRiskManagementAbstract" abstract="true" name="DisclosureOfLiabilitiesByMaturityLiquidityRiskManagementAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfDetailedInformationAboutGeographicalAreasExplanatory" abstract="false" name="DisclosureOfDetailedInformationAboutGeographicalAreasExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DividendYieldMember" abstract="true" name="DividendYieldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FinancialInstitutionsMember" abstract="true" name="FinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NonDerivativeFinancialInstrumentsToTransitionToAlternativeBenchmarksTableTextBlock" abstract="false" name="NonDerivativeFinancialInstrumentsToTransitionToAlternativeBenchmarksTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfOtherLiabilitiesAbstract" abstract="true" name="DisclosureOfOtherLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfOtherOperatingExpenseTable" abstract="true" name="DisclosureOfOtherOperatingExpenseTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_ModificationGainsAndLossesOnRestructuredFinancialAssetsMember" abstract="true" name="ModificationGainsAndLossesOnRestructuredFinancialAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ForeignExchangeRiskInBankingBookstableTable" abstract="true" name="ForeignExchangeRiskInBankingBookstableTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" abstract="false" name="FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherEquipmentMember" abstract="true" name="OtherEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FinancialLiabilitiesStatementOfFinancialPosition" abstract="false" name="FinancialLiabilitiesStatementOfFinancialPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PersonalLendingMember" abstract="true" name="PersonalLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_MaximumDistributableAmountTriggerLevel" abstract="false" name="MaximumDistributableAmountTriggerLevel" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_DisclosureOfPrincipalSubsidiariesInvestmentsInAssociatesAndJointVenturesTableTextBlock" abstract="false" name="DisclosureOfPrincipalSubsidiariesInvestmentsInAssociatesAndJointVenturesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_NumberOfClassActionsAgreementReached" abstract="false" name="NumberOfClassActionsAgreementReached" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ing_DisclosureOfNPVAtRiskExplanatoryTableTextBlock" abstract="false" name="DisclosureOfNPVAtRiskExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_IngOrdinarySharesMember" abstract="true" name="IngOrdinarySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PriceMember" abstract="true" name="PriceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TaxEffectOfAdjustment" abstract="false" name="TaxEffectOfAdjustment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TransportationAndLogisticsMember" abstract="true" name="TransportationAndLogisticsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ImpairmentLossOnDeferredTaxAsset" abstract="false" name="ImpairmentLossOnDeferredTaxAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfDetailedInformationAboutOtherLiabilitiesTableTextBlock" abstract="false" name="DisclosureOfDetailedInformationAboutOtherLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_FixedRateSeniorNotesDue20294050PercentMember" abstract="true" name="FixedRateSeniorNotesDue20294050PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_MontBlancMember" abstract="true" name="MontBlancMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ResetSpreadMember" abstract="true" name="ResetSpreadMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_BuildersContractorsMember" abstract="true" name="BuildersContractorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisposalsOfInvestmentsInAssociatesAndJointVentures" abstract="false" name="DisposalsOfInvestmentsInAssociatesAndJointVentures" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_Pillar1RequirementMember" abstract="true" name="Pillar1RequirementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AmountsHeldAtCentralBanksAmountOfLoanLossProvisions" abstract="false" name="AmountsHeldAtCentralBanksAmountOfLoanLossProvisions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_RestOfEuropeMember" abstract="true" name="RestOfEuropeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ForeignExchangeVolitilityPercentMember" abstract="true" name="ForeignExchangeVolitilityPercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SensitivityAnalysisForCreditRisk" abstract="false" name="SensitivityAnalysisForCreditRisk" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossExplanatory" abstract="false" name="DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" abstract="false" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_UpsideMember" abstract="true" name="UpsideMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_InterestExpenseOnNonTradingDerivativesQualifiedForHedgeAccounting" abstract="false" name="InterestExpenseOnNonTradingDerivativesQualifiedForHedgeAccounting" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_Retail1Member" abstract="true" name="Retail1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CertainConsumerCreditProductsMember" abstract="true" name="CertainConsumerCreditProductsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughTreasuryShareTransactionsExcludingShareBasedPaymentTransactions" abstract="false" name="IncreaseDecreaseThroughTreasuryShareTransactionsExcludingShareBasedPaymentTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_MdaTriggerTier1Capital" abstract="false" name="MdaTriggerTier1Capital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_EconomicSectorBasedAdjustmentsOverlayForLivestockFarmingSector" abstract="false" name="EconomicSectorBasedAdjustmentsOverlayForLivestockFarmingSector" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_BankOfBeijingMember" abstract="true" name="BankOfBeijingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareCapitalAndSharePremiumAbstract" abstract="true" name="ShareCapitalAndSharePremiumAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_DescriptionOfAccountingPolicyForIncomeRecognitionExplanatoryPolicyTextBlock" abstract="false" name="DescriptionOfAccountingPolicyForIncomeRecognitionExplanatoryPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ChangesInCreditLiabilityReserve" abstract="false" name="ChangesInCreditLiabilityReserve" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_StageThreeLifetimeExpectedCreditLossesMember" abstract="true" name="StageThreeLifetimeExpectedCreditLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CustomerDepositsByCustomerDomain" abstract="true" name="CustomerDepositsByCustomerDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ExpectedCreditLossesSensitivityYearTwo" abstract="false" name="ExpectedCreditLossesSensitivityYearTwo" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_INGBankConsumerLendingPortfolioOutstandingsMember" abstract="true" name="INGBankConsumerLendingPortfolioOutstandingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareBuybackProgrammeLiability" abstract="false" name="ShareBuybackProgrammeLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DeferredDayOneProfitOrLossReserveMember" abstract="true" name="DeferredDayOneProfitOrLossReserveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AllowanceForCreditLossesRecognisedInProfitLoss" abstract="false" name="AllowanceForCreditLossesRecognisedInProfitLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ChangesInTransferToOrFromRetainedEarnings" abstract="false" name="ChangesInTransferToOrFromRetainedEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ShareAwardsMember" abstract="true" name="ShareAwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_BankMendesGansNVMember" abstract="true" name="BankMendesGansNVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_A6114CallableFixedToFloatingRateSeniorNotesDue2034Member" abstract="true" name="A6114CallableFixedToFloatingRateSeniorNotesDue2034Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IAS29Member" abstract="true" name="IAS29Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LendingAndInvestmentMember" abstract="true" name="LendingAndInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TotalForebearanceTypeMember" abstract="true" name="TotalForebearanceTypeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetAfterNetInterestIncome" abstract="false" name="ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetAfterNetInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_GainsLossesOnChangeInFairValueOfHedgedItems" abstract="false" name="GainsLossesOnChangeInFairValueOfHedgedItems" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SubordinatedLoansMember" abstract="true" name="SubordinatedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ExchangeRateDifferencesFairValueMeasurementAssets" abstract="false" name="ExchangeRateDifferencesFairValueMeasurementAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SharesAuthorizedValue" abstract="false" name="SharesAuthorizedValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SummaryOfChangesInFairValueThroughOtherComprehensiveIncomeFinancialAssetsTableTextBlock" abstract="false" name="SummaryOfChangesInFairValueThroughOtherComprehensiveIncomeFinancialAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_TerminalGrowthRateMeasurementInputMember" abstract="true" name="TerminalGrowthRateMeasurementInputMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughTransferAssetOrLiabilitiesArisingFromFinancingActivities" abstract="false" name="IncreaseDecreaseThroughTransferAssetOrLiabilitiesArisingFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LoansAndAdvancesToCentralBanks" abstract="false" name="LoansAndAdvancesToCentralBanks" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DebentureLoansMember" abstract="true" name="DebentureLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_BBBCreditGradesMember" abstract="true" name="BBBCreditGradesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CustomerDepositsCategoryMember" abstract="true" name="CustomerDepositsCategoryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CcCreditGradesMember" abstract="true" name="CcCreditGradesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AccumulatedImpairmentLosses" abstract="false" name="AccumulatedImpairmentLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DepreciationMember" abstract="true" name="DepreciationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherAdjustmentsToRegulatoryCapital" abstract="false" name="OtherAdjustmentsToRegulatoryCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfDepositsFromBanksTable" abstract="true" name="DisclosureOfDepositsFromBanksTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_StaffExpensesAbstract" abstract="true" name="StaffExpensesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_RefinancingMember" abstract="true" name="RefinancingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DerivativesAtEquityMember" abstract="true" name="DerivativesAtEquityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherPostEmploymentBenefitsNettingMember" abstract="true" name="OtherPostEmploymentBenefitsNettingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_A4017CallableFixedToFloatingRateSeniorNotesDue2028Member" abstract="true" name="A4017CallableFixedToFloatingRateSeniorNotesDue2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_Presettlement1Member" abstract="true" name="Presettlement1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PostalCharges" abstract="false" name="PostalCharges" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_GainLossOnDivestitureOfBusiness" abstract="false" name="GainLossOnDivestitureOfBusiness" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_UnemploymentRate" abstract="false" name="UnemploymentRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughChangesInTaxationNetDefinedBenefitLiabilityAsset" abstract="false" name="IncreaseDecreaseThroughChangesInTaxationNetDefinedBenefitLiabilityAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherItemsWhereOffsettingIsAppliedInTheStatementOfFinancialPositionNettingMember" abstract="true" name="OtherItemsWhereOffsettingIsAppliedInTheStatementOfFinancialPositionNettingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngDibaagMember" abstract="true" name="IngDibaagMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_EquitySecuritiesAtFairValueThroughOtherComprehensiveIncomeMember" abstract="true" name="EquitySecuritiesAtFairValueThroughOtherComprehensiveIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughRedemptionsOrDisposalsLiabilitiesArisingFromFinancingActivities" abstract="false" name="IncreaseDecreaseThroughRedemptionsOrDisposalsLiabilitiesArisingFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseDecreaseInRate" abstract="false" name="IncreaseDecreaseInRate" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfCapitalAdequacyTableTextBlock" abstract="false" name="DisclosureOfCapitalAdequacyTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ChangesInCompositionAndOther" abstract="false" name="ChangesInCompositionAndOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SignificantLifetimePdTriggerMember" abstract="true" name="SignificantLifetimePdTriggerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FairValueAdjustmentsOnOwnIssuedNotes" abstract="false" name="FairValueAdjustmentsOnOwnIssuedNotes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IngGroenbankNvMember" abstract="true" name="IngGroenbankNvMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DescriptionOfAccountingPolicyForRecognitionAndDerecognitionOfFinancialInstrumentsExplanatoryPolicyTextBlock" abstract="false" name="DescriptionOfAccountingPolicyForRecognitionAndDerecognitionOfFinancialInstrumentsExplanatoryPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_NonperformingExposureMember" abstract="true" name="NonperformingExposureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfCapitalManagementAbstract" abstract="true" name="DisclosureOfCapitalManagementAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_LocalBankTaxes" abstract="false" name="LocalBankTaxes" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LoansAndAdvancesToBanksGross" abstract="false" name="LoansAndAdvancesToBanksGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_StructuredNotesMember" abstract="true" name="StructuredNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FairValueMeasurementDeferredDayOneProfitOrLossReserve" abstract="false" name="FairValueMeasurementDeferredDayOneProfitOrLossReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_MacroEconomicScenarioMember" abstract="true" name="MacroEconomicScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfScheduleOfOtherOperatingExpenseTableTextBlock" abstract="false" name="DisclosureOfScheduleOfOtherOperatingExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_InterestIncomeReceivedFromRelatedParties" abstract="false" name="InterestIncomeReceivedFromRelatedParties" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CorporateSegmentMember" abstract="true" name="CorporateSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DefaultCreditGradeMember" abstract="true" name="DefaultCreditGradeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfProvisionsTable" abstract="true" name="DisclosureOfProvisionsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <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"/>
  <xs:element id="ing_CreditGradePercentage" abstract="false" name="CreditGradePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_DisclosureOfTaxationAbstract" abstract="true" name="DisclosureOfTaxationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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"/>
  <xs:element id="ing_AverageThresholdRatio" abstract="false" name="AverageThresholdRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ing_NetDeferredTaxMember" abstract="true" name="NetDeferredTaxMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CommodityVolatilityMember" abstract="true" name="CommodityVolatilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_BankingActivitiesMember" abstract="true" name="BankingActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_InterestExpenseOnSubordinatedLoans" abstract="false" name="InterestExpenseOnSubordinatedLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PerformingRestructuringMember" abstract="true" name="PerformingRestructuringMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_UnemploymentEconomicCoreVariableMember" abstract="true" name="UnemploymentEconomicCoreVariableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfNetInterestIncomeNIIAtRiskExplanatoryTableTextBlock" abstract="false" name="DisclosureOfNetInterestIncomeNIIAtRiskExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_OtherChangesInInvestmentsAccountedForUsingEquityMethod" abstract="false" name="OtherChangesInInvestmentsAccountedForUsingEquityMethod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfOtherOperatingExpenseLineItems" abstract="true" name="DisclosureOfOtherOperatingExpenseLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_OffBalanceSheetCommitmentsNominalAmount" abstract="false" name="OffBalanceSheetCommitmentsNominalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LiborIndexedFairValueAndCashFlowHedgesMember" abstract="true" name="LiborIndexedFairValueAndCashFlowHedgesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract" abstract="true" name="DisclosureOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_OptionsOnInterestRateSwapContractMember" abstract="true" name="OptionsOnInterestRateSwapContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LoansToBanks" abstract="false" name="LoansToBanks" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfNonTradingDerivativesDesignatedAtFairValueThroughProfitOrLossExplanatory" abstract="false" name="DisclosureOfNonTradingDerivativesDesignatedAtFairValueThroughProfitOrLossExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DepositsFromBanksCategoryMember" abstract="true" name="DepositsFromBanksCategoryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ExpectedCreditLossesSensitivityYearThree" abstract="false" name="ExpectedCreditLossesSensitivityYearThree" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_ScheduleOfFinancialAssetsReceivedAsCollateralExplanatoryTableTextBlock" abstract="false" name="ScheduleOfFinancialAssetsReceivedAsCollateralExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_InflationAndInterestRateIncreasesSecondOrderImpactsAdjustments" abstract="false" name="InflationAndInterestRateIncreasesSecondOrderImpactsAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TransferOfEquity" abstract="false" name="TransferOfEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_WeightedAverageBasicActuarialAssumptionOfDiscountRatesOnNetDefinedBenefitAssetOrLiability" abstract="false" name="WeightedAverageBasicActuarialAssumptionOfDiscountRatesOnNetDefinedBenefitAssetOrLiability" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_ShareAwardsRelatingToCashSettledSharebasedPaymentArrangement" abstract="false" name="ShareAwardsRelatingToCashSettledSharebasedPaymentArrangement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="ing_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" abstract="true" name="ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfReconciliationNetResultEuIfrsAndIasbIfrsAbstract" abstract="true" name="DisclosureOfReconciliationNetResultEuIfrsAndIasbIfrsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfInvestmentIncomeExplanatory" abstract="false" name="DisclosureOfInvestmentIncomeExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_GradeTwoMember" abstract="true" name="GradeTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SecuritiesAtAmortisedCostMember" abstract="true" name="SecuritiesAtAmortisedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DownsideMember" abstract="true" name="DownsideMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SignificantUnobservableInputsAmount" abstract="false" name="SignificantUnobservableInputsAmount" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="ing_NonDeductibleDutchBankTaxMember" abstract="true" name="NonDeductibleDutchBankTaxMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FairValueThroughOtherComprehensiveIncomeAndAmortisedCostMember" abstract="true" name="FairValueThroughOtherComprehensiveIncomeAndAmortisedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherDerivativesMember" abstract="true" name="OtherDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherHedgingInstrumentsMember" abstract="true" name="OtherHedgingInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AuditAndNonAuditServices" abstract="false" name="AuditAndNonAuditServices" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfDepositsFromBanksSplitInInterestAndNonInterestBearingExplanatoryTableTextBlock" abstract="false" name="DisclosureOfDepositsFromBanksSplitInInterestAndNonInterestBearingExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_MortgagePortfolioAdjustmentsHousePrices" abstract="false" name="MortgagePortfolioAdjustmentsHousePrices" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PercentageIncreaseInOperatingExpenses" abstract="false" name="PercentageIncreaseInOperatingExpenses" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ing_IncreaseDividendAsPercentage" abstract="false" name="IncreaseDividendAsPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_GainLossOnDisposalOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="GainLossOnDisposalOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfInvestmentIncomeAbstract" abstract="true" name="DisclosureOfInvestmentIncomeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_TypeOfCreditRiskCoverAxis" abstract="true" name="TypeOfCreditRiskCoverAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_ManagementAdjustments" abstract="false" name="ManagementAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ABSPortfolioMember" abstract="true" name="ABSPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ValuationResultsAndNetTradingIncomeAbstract" abstract="true" name="ValuationResultsAndNetTradingIncomeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_EconomicGrowthRate" abstract="false" name="EconomicGrowthRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_DividendPayOutRatio" abstract="false" name="DividendPayOutRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_DisclosureOfEmployeeBenefitsExpenseExplanatory" abstract="false" name="DisclosureOfEmployeeBenefitsExpenseExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_PercentageOfForborneAssets" abstract="false" name="PercentageOfForborneAssets" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_TaxEffectFromWriteOffOrReversalOfDeferredTaxAssets" abstract="false" name="TaxEffectFromWriteOffOrReversalOfDeferredTaxAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestIncomeOnNonTradingDerivativesNotQualifiedForHedgeAccounting" abstract="false" name="InterestIncomeOnNonTradingDerivativesNotQualifiedForHedgeAccounting" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DerivativesAtRatesMember" abstract="true" name="DerivativesAtRatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DepositGuaranteeSchemeMember" abstract="true" name="DepositGuaranteeSchemeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfFinancialInstrumentsAndFinancialRiskManagementTextBlock" abstract="false" name="DisclosureOfFinancialInstrumentsAndFinancialRiskManagementTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" abstract="false" name="IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CallableFixedToFloatingRateSeniorNotesDue20322727PercentMember" abstract="true" name="CallableFixedToFloatingRateSeniorNotesDue20322727PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_KeyManagementPersonnelVariableCompensationAbstract" abstract="true" name="KeyManagementPersonnelVariableCompensationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" abstract="false" name="FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesAbstract" abstract="true" name="DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfFairValueFinancialSensitivityAnalysisExplanatoryTableTextBlock" abstract="false" name="DisclosureOfFairValueFinancialSensitivityAnalysisExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfTaxEffectsOfComponentsOfOtherComprehensiveIncomeExplanatoryTableTextBlock" abstract="false" name="DisclosureOfTaxEffectsOfComponentsOfOtherComprehensiveIncomeExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_RevaluationIncreaseDecreaseInvestmentsInAssociatesAndJointVentures" abstract="false" name="RevaluationIncreaseDecreaseInvestmentsInAssociatesAndJointVentures" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" abstract="false" name="TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SensitivityFutureGrowthRate" abstract="false" name="SensitivityFutureGrowthRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_WithholdingTaxOnDividendsPaid" abstract="false" name="WithholdingTaxOnDividendsPaid" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_DisclosureOfIncomeTaxesLineItems" abstract="true" name="DisclosureOfIncomeTaxesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" abstract="false" name="FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfOtherAssetsAbstract" abstract="true" name="DisclosureOfOtherAssetsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_INGBankNVMember" abstract="true" name="INGBankNVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CashAndBalancesWithCentralBanksAbstract" abstract="true" name="CashAndBalancesWithCentralBanksAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_CommonEquityTier1AmbitionPercent" abstract="false" name="CommonEquityTier1AmbitionPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_DescriptionOfAccountingPolicyForConsolidationExplanatoryPolicyTextBlock" abstract="false" name="DescriptionOfAccountingPolicyForConsolidationExplanatoryPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_UsdLiborMember" abstract="true" name="UsdLiborMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RemeasurementMember" abstract="true" name="RemeasurementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfDeferredTaxInConnectionWithUnusedTaxLossesCarriedForwardExplanatory" abstract="false" name="DisclosureOfDeferredTaxInConnectionWithUnusedTaxLossesCarriedForwardExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ContingentLiabilityForIrrevocableLettersOfCreditMember" abstract="true" name="ContingentLiabilityForIrrevocableLettersOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SubordinatedTier2NotesMember" abstract="true" name="SubordinatedTier2NotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherIndustriesMember" abstract="true" name="OtherIndustriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AdjustmentOfEuIas39CarveOutMember" abstract="true" name="AdjustmentOfEuIas39CarveOutMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RatingClassConcentrationPercentageIncreaseDecrease" abstract="false" name="RatingClassConcentrationPercentageIncreaseDecrease" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_DisclosureOfKeyManagementPersonnelCompensationOfSupervisoryBoardTableTextBlock" abstract="false" name="DisclosureOfKeyManagementPersonnelCompensationOfSupervisoryBoardTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_FullyCoveredMember" abstract="true" name="FullyCoveredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngBankPortfolioOutstandingsMember" abstract="true" name="IngBankPortfolioOutstandingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_StichtingRegioBankAndStichtingVakbondsspaarbankSpnMember" abstract="true" name="StichtingRegioBankAndStichtingVakbondsspaarbankSpnMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_MandatoryReserveDepositsMember" abstract="true" name="MandatoryReserveDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DeferredTaxAssetsMember" abstract="true" name="DeferredTaxAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfLegalProceedingsTable" abstract="true" name="DisclosureOfLegalProceedingsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_OwnCreditAdjustmentsMember" abstract="true" name="OwnCreditAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ProceedsFromSaleOrIssuePurchaseOfTreasuryShares" abstract="false" name="ProceedsFromSaleOrIssuePurchaseOfTreasuryShares" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NetInterestIncomeDisclosureTable" abstract="true" name="NetInterestIncomeDisclosureTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_ProportionOfPortfolioPercentage" abstract="false" name="ProportionOfPortfolioPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_ContributionsAndSubscriptions" abstract="false" name="ContributionsAndSubscriptions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LendingMember" abstract="true" name="LendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RiskWeightedAssets1" abstract="false" name="RiskWeightedAssets1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CallableFloatingRateSeniorNotesDue2026Member" abstract="true" name="CallableFloatingRateSeniorNotesDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfPropertyPlantAndEquipmentByTypeExplanatoryTableTextBlock" abstract="false" name="DisclosureOfPropertyPlantAndEquipmentByTypeExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_PensionAndPostemploymentBenefitsMember" abstract="true" name="PensionAndPostemploymentBenefitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_GovernmentAndFinancialInstitutionsMember" abstract="true" name="GovernmentAndFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfDepositsFromBanksAbstract" abstract="true" name="DisclosureOfDepositsFromBanksAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_AssetsNotRatedMember" abstract="true" name="AssetsNotRatedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DerivativesLiabilitiesMember" abstract="true" name="DerivativesLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_MDARequirementOnLeverageRatio" abstract="false" name="MDARequirementOnLeverageRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_SupplementaryCapitalTier2Bonds" abstract="false" name="SupplementaryCapitalTier2Bonds" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LossOnProvisionsForLoansToBanks" abstract="false" name="LossOnProvisionsForLoansToBanks" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FairValueMeasurementDeferredDayOneProfitOrLossReserveProfitLossDeferredOnNewTransactions" abstract="false" name="FairValueMeasurementDeferredDayOneProfitOrLossReserveProfitLossDeferredOnNewTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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"/>
  <xs:element id="ing_TotalPillarIiRequirementPercent" abstract="false" name="TotalPillarIiRequirementPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <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"/>
  <xs:element id="ing_OtherMiscellaneousOtherProvisionsMember" abstract="true" name="OtherMiscellaneousOtherProvisionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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"/>
  <xs:element id="ing_TypeOfCreditRiskCoverMember" abstract="true" name="TypeOfCreditRiskCoverMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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"/>
  <xs:element id="ing_RetailOtherMember" abstract="true" name="RetailOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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"/>
  <xs:element id="ing_CentralGovernmentsMember" abstract="true" name="CentralGovernmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IfrsEuResultsMember" abstract="true" name="IfrsEuResultsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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"/>
  <xs:element id="ing_ValueInUseCalculationPeriod" abstract="false" name="ValueInUseCalculationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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"/>
  <xs:element id="ing_ChangeInMDARequirementsMember" abstract="true" name="ChangeInMDARequirementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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"/>
  <xs:element id="ing_OtherTriggersMember" abstract="true" name="OtherTriggersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_Deposits1Member" abstract="true" name="Deposits1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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"/>
  <xs:element id="ing_AuditFeesDisclosureTextBlock" abstract="false" name="AuditFeesDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <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"/>
  <xs:element id="ing_PerformingMember" abstract="true" name="PerformingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_GradeOneMember" abstract="true" name="GradeOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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"/>
  <xs:element id="ing_FundingRateTLTROIIISeries4" abstract="false" name="FundingRateTLTROIIISeries4" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <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"/>
  <xs:element id="ing_TypeOfSwapAxis" abstract="true" name="TypeOfSwapAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_NonsubordinatedMember" abstract="true" name="NonsubordinatedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SummaryOfValuationAdjustmentTableTableTextBlock" abstract="false" name="SummaryOfValuationAdjustmentTableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <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"/>
  <xs:element id="ing_DisclosureOfDepositsFromCustomersByTypeExplanatoryTableTextBlock" abstract="false" name="DisclosureOfDepositsFromCustomersByTypeExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <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"/>
  <xs:element id="ing_CumulativePreferenceSharesMember" abstract="true" name="CumulativePreferenceSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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"/>
  <xs:element id="ing_DisclosureOfDividendsAbstract" abstract="true" name="DisclosureOfDividendsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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"/>
  <xs:element id="ing_DisclosureOfAssetsByContractualMaturityExplanatoryTextBlock" abstract="false" name="DisclosureOfAssetsByContractualMaturityExplanatoryTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <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"/>
  <xs:element id="ing_DebtInstrument1Axis" abstract="true" name="DebtInstrument1Axis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_DebtSecuritiesAndStructuredNotesMember" abstract="true" name="DebtSecuritiesAndStructuredNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NonFinancialGuaranteesMember" abstract="true" name="NonFinancialGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_EquityDerivativesStructuredNotesMember" abstract="true" name="EquityDerivativesStructuredNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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"/>
  <xs:element id="ing_ForebearanceTypeAxis" abstract="true" name="ForebearanceTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <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"/>
  <xs:element id="ing_DisclosureOfOperatingSegmentsUnderlyingIncomeExpensesExplanatory" abstract="false" name="DisclosureOfOperatingSegmentsUnderlyingIncomeExpensesExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfSharesAndStockOptionsToKeyManagementPersonnelTableTextBlock" abstract="false" name="DisclosureOfSharesAndStockOptionsToKeyManagementPersonnelTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DistributionOfProductsFeeAndCommissionExpense" abstract="false" name="DistributionOfProductsFeeAndCommissionExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PercentageOfLoanToValue" abstract="false" name="PercentageOfLoanToValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_OtherAssetsExcludingRepurchaseAgreementSubjectToOffsetting" abstract="false" name="OtherAssetsExcludingRepurchaseAgreementSubjectToOffsetting" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherInvestmentPurchasedMember" abstract="true" name="OtherInvestmentPurchasedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_InterestBearingCustomerDeposits" abstract="false" name="InterestBearingCustomerDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfSignificantAccountingPoliciesTable" abstract="true" name="DisclosureOfSignificantAccountingPoliciesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_NetInterestReceivedPaidClassifiedAsOperatingActivities" abstract="false" name="NetInterestReceivedPaidClassifiedAsOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ShareBuybackProgrammeShares" abstract="false" name="ShareBuybackProgrammeShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_UnissuedSharesNumber" abstract="false" name="UnissuedSharesNumber" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_ShareBuybackProgrammeCancelledAmount" abstract="false" name="ShareBuybackProgrammeCancelledAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AccumulatedDepreciationMember" abstract="true" name="AccumulatedDepreciationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CollvaMember" abstract="true" name="CollvaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReverseReposMember" abstract="true" name="ReverseReposMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NonTradingDerivativesAssetsMember" abstract="true" name="NonTradingDerivativesAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngsRetailBankingOperationsInAustriaMember" abstract="true" name="IngsRetailBankingOperationsInAustriaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RetailPolandMember" abstract="true" name="RetailPolandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareRepurchaseProgramNumberAxis" abstract="true" name="ShareRepurchaseProgramNumberAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_ResilientNetProfitReservedForDistributionOutsideCet1CapitalReflicectingDistributionPolicy" abstract="false" name="ResilientNetProfitReservedForDistributionOutsideCet1CapitalReflicectingDistributionPolicy" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_A3869CallableFixedToFloatingRateSeniorNotesDue2026Member" abstract="true" name="A3869CallableFixedToFloatingRateSeniorNotesDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RetailBeneluxMember" abstract="true" name="RetailBeneluxMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ValuationResultsAndNetTradingIncomeTextBlock" abstract="false" name="ValuationResultsAndNetTradingIncomeTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_CustomerDepositsAndOtherFundsOnDepositMember" abstract="true" name="CustomerDepositsAndOtherFundsOnDepositMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfAmountsRecognisedDirectlyInOtherComprehensiveIncomeEquityExplanatoryTableTextBlock" abstract="false" name="DisclosureOfAmountsRecognisedDirectlyInOtherComprehensiveIncomeEquityExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfCapitalManagementLineItems" abstract="true" name="DisclosureOfCapitalManagementLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_ReconciliationNetResultTaxEffectOfAdjustment" abstract="false" name="ReconciliationNetResultTaxEffectOfAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NonTradingDerivativeMember" abstract="true" name="NonTradingDerivativeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_InterestRateVolatilityMember" abstract="true" name="InterestRateVolatilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ACreditGradesMember" abstract="true" name="ACreditGradesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DeferredTaxLiabilityDueToRecaptureOfPreviouslyDeductedTaxLosses" abstract="false" name="DeferredTaxLiabilityDueToRecaptureOfPreviouslyDeductedTaxLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_ShareBuybackProgrammeAuthorized" abstract="false" name="ShareBuybackProgrammeAuthorized" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NetInterestIncomeDisclosureLineItems" abstract="true" name="NetInterestIncomeDisclosureLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_MoneyMarketFunds1Member" abstract="true" name="MoneyMarketFunds1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_MinimumTierOneCapitalRequirement" abstract="false" name="MinimumTierOneCapitalRequirement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_IngLuxembourgSAMember" abstract="true" name="IngLuxembourgSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NonTradingDerivativesLiabilitiesMember" abstract="true" name="NonTradingDerivativesLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_HQLAEligibleEquityInstrumentsMember" abstract="true" name="HQLAEligibleEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AdjustmentMember" abstract="true" name="AdjustmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PresentValueTechniquesMember" abstract="true" name="PresentValueTechniquesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RiskManagementAbstract" abstract="true" name="RiskManagementAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_RetailGermanyMember" abstract="true" name="RetailGermanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ExpectedCreditLossesFromManagmentAdjustmentsMember" abstract="true" name="ExpectedCreditLossesFromManagmentAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfDividendPerOrdinaryShareExplanatoryTableTextBlock" abstract="false" name="DisclosureOfDividendPerOrdinaryShareExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfFinanceLeaseReceivableByLessorExplanatory" abstract="false" name="DisclosureOfFinanceLeaseReceivableByLessorExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_SecuritiesAtAmortisedCostExplanatoryTextBlock" abstract="false" name="SecuritiesAtAmortisedCostExplanatoryTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfInvestmentsInAssociatesAndJointVenturesTable" abstract="true" name="DisclosureOfInvestmentsInAssociatesAndJointVenturesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_GrowthMarketMember" abstract="true" name="GrowthMarketMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherInterestDerivativesMember" abstract="true" name="OtherInterestDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_GlobalGdpRateIncreaseDecrease" abstract="false" name="GlobalGdpRateIncreaseDecrease" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_SecuritiesBusinessFeeAndCommissionIncome" abstract="false" name="SecuritiesBusinessFeeAndCommissionIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FixedRateSeniorNotesDue20284550PercentMember" abstract="true" name="FixedRateSeniorNotesDue20284550PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReversalsOfImpairmentsOfTangibleAssets" abstract="false" name="ReversalsOfImpairmentsOfTangibleAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfClassificationsOfInterestIncomeExpenseExplanatoryTableTextBlock" abstract="false" name="DisclosureOfClassificationsOfInterestIncomeExpenseExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_FinancialAssetsReceivedAsCollateralTable" abstract="true" name="FinancialAssetsReceivedAsCollateralTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_INGGroupMember" abstract="true" name="INGGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
