ING is a global financial institution with a strong European base, offering banking services through its operating company ING Bank. ING Bank’s goal is to empower people to stay ahead in life and in business. ING Bank’s more than 57,000 employees provide retail and wholesale banking services to customers in over 40 countries.

ING Group shares are listed on the Amsterdam Stock Exchange (INGA NA, INGA.AS), Brussels Stock Exchange and the New York Stock Exchange (ADR: ING US, ING.N).

Sustainability is an integral part of ING’s strategy, as evidenced by ING’s leading position in sector benchmarks.
ING’s ESG rating by MSCI was confirmed at ‘AA’ in December 2021. ING Group shares are included in the main sustainability index and environmental, social and governance (ESG) index products of major providers STOXX, Morningstar and FTSE Russell. In January 2021, ING received an ESG assessment score of 83 (“strong”) from S&P Global Ratings.

Elements of this press release contain or may contain information about ING Groep NV and/or ING Bank NV within the meaning of Article 7, paragraphs 1 to 4, of EU Regulation No 596/2014.
ING Group’s annual accounts are prepared in accordance with International Financial Reporting Standards as adopted by the European Union (“IFRS-EU”). When preparing the financial information contained in this document, unless otherwise stated, the same accounting principles are applied as in the 2020 consolidated annual accounts of ING Group. All figures in this document are unaudited. Small differences are possible in the tables due to rounding.
Some of the statements contained herein are not historical facts, including, without limitation, certain statements made of future expectations and other forward-looking statements that are based on management’s current beliefs and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those indicated in these statements due to a number of factors, including, without limitation: (1) changes in general economic conditions and customer behavior , in particular economic conditions in ING’s main markets, including changes affecting exchange rates (2) the effects of the Covid-19 pandemic and related response measures, including lockdowns and travel restrictions , on the economic conditions in the countries in which ING operates, on the activities and operations of ING and on the employees, customers and counterparties of ING (3 ) changes affecting the levels of interest rates (4) any default by a major market player and related market disruption (5) changes in the performance of financial markets, including in Europe and developing markets (6) political instability and fiscal uncertainty in Europe and the United States (7) halt or change in “benchmark” indices (8) inflation and deflation in our main markets (9) changes in credit and capital market conditions in general, including changes in borrower and counterparty creditworthiness (10) failures of banks falling within the scope of public compensation schemes (11) failure to comply with or changes in laws and regulations, including those relating to financial services, financial economic crimes and tax laws, and their interpretation and application (12) geopolitical risks, political instabilities and the policies and actions of governmental and regulatory authorities (13) legal and regulatory risks in certain countries with less developed legal and regulatory frameworks (14) prudential supervision and regulation, including with respect to identifies stress tests and regulatory restrictions on dividends and distributions, (also among group members) (15) regulatory consequences of the UK’s withdrawal from the European Union, including authorizations and decisions to equivalence (16) ING’s ability to meet minimum capital and other prudential regulatory requirements (17) changes in regulation of US commodities and derivatives activities of ING and its clients (18) application of regimes bank recovery and resolution, including write-down and conversion powers relating to our securities (19) results of current and future transactions, litigation, enforcement proceedings, investigations or other regulatory action, including claims from customers who feel misled and other conduct issues (20) changes in tax laws and regulations and risks of non-compliance or investigation in connection with tax laws, including FATCA (21) operational risks, such as system disruptions or failures, security breaches, cyberattacks, human error, changes in operational practices or inadequate controls, including over third parties with whom we do business (22) cybercrime risks and challenges, including the effects of cyberattacks and changes in laws and regulations relating to cybersecurity and data privacy (23) changes in general competitive positive factors, including the ability to increase or maintain market share (24) inability to protect our intellectual property and third-party infringement claims (25) the inability of counterparties to meet their financial obligations or their ability to enforce their rights against such counterparties (26) changes in rating s credit (27) business, operational, regulatory, reputational and other risks and challenges related to climate change (28) inability to attract and retain key personnel (29) future liabilities under defined benefit pension plans ( 30) failure to manage business risks, including in relation to the use of models, the use of derivatives or the maintenance of appropriate policies and guidelines (31) changes in the capital and credit markets, including interbank funding, as well as customer deposits, which provide liquidity and capital to fund our operations, and (32) other risks and uncertainties detailed in ING Groep NV’s latest annual report (including the Risk Factors contained therein) and the most recent information from ING, including press releases, which are available at
This document may contain inactive text addresses to websites operated by us and third parties. Reference to such websites is made for informational purposes only and information found on such websites is not incorporated by reference herein. ING makes no representations or warranties as to the accuracy or completeness of the information found on websites operated by third parties, and assumes no liability in respect thereof. ING expressly disclaims any responsibility for any information found on websites operated by third parties. ING cannot guarantee that websites operated by third parties will remain available after the publication of this document, or that any information found on these websites will not change after the filing of this document. Many of these factors are beyond ING’s control.
Any forward-looking statement made by or on behalf of ING speaks only as of the date on which it is made, and ING undertakes no obligation to publicly update or revise any forward-looking statement, whether as a result of new information or for any other reason.
This document does not constitute an offer to sell or a solicitation of an offer to buy any securities in the United States or any other jurisdiction.