Exhibit 99.1 NG Corporate Communicatio nsterdam. 3 August 2023 ING posts 2Q2023 net result of €2,155 million with strong income growth and low risk costs Profit before tax increases significantly to €3,035 million in 2Q2023; CET1 ratio rises to 14.9% CEO statement "The second quarter of 2023 was characterised by ongoing challenges, as economic sentiment weakened, geopolitical uncertainties persisted and inflation remained elevated - albeit less pronounced than in previous guarters," said Steven van Riiswilk ...

Company Participants Operator Before handing this conference call over to Steven van Rijswijk, Chief Executive Officer of ING Group, let me first say, that today's comments may include forward-looking statements such as statements regarding future developments and our business, expectations for our future financial performance, and any statements not including as historical fact. Furthermore, nothing in today's comments constitutes an offer to sell or solicitation of any offer to buy any securities. Good mo ...

Global Presence and Market Conditions - ING serves approximately 37 million customers across over 40 countries, indicating a significant global presence[48]. - The company has been adversely affected by the Covid-19 pandemic, which has impacted global economic conditions, including inflation and reduced consumer spending[55]. - ING's revenues and earnings are influenced by economic volatility in regions such as Russia and Ukraine, which could materially affect its financial condition[38]. - The ongoing geopolitical tensions and sanctions related to Russia's invasion of Ukraine have heightened instability in global markets, affecting ING's operations[52]. - Political instability and fiscal uncertainty in Europe and the US, along with ongoing market volatility, may adversely impact the company's business and financial condition[67]. Economic and Financial Risks - The company is exposed to risks related to interest rate volatility, which may negatively impact its business results[42]. - ING derives a substantial portion of its revenues from the Benelux countries and Germany, making it vulnerable to economic downturns in these regions[51]. - A sustained increase in inflation could lead to reduced disposable income for households, increased financial stress, and potential mispricing of products, negatively impacting results[61]. - Global inflation increased significantly during FY2022, which may result in decreased fair value of fixed income securities and increased interest expenses on debt securities[80]. - A significant increase in inflation may also lead to higher customer defaults as rising interest rates create payment stress for lower credit quality customers[80]. - The company may need to increase reserves and provisions in response to higher unemployment and lower corporate earnings during economic downturns, which could lead to lower overall earnings[51]. - The company is exposed to risks of borrower defaults and may need to increase provisions for loan losses, which could materially affect financial results[83]. Regulatory and Compliance Risks - The company faces regulatory risks, including compliance with various tax laws and financial regulations across different jurisdictions[43]. - Non-compliance with applicable laws and regulations could result in fines and other liabilities, materially affecting ING's business and profitability[89][90]. - ING faces risks related to regulatory supervision by the ECB, which has extensive powers to impose sanctions and restrict business activities if regulatory requirements are not met[100][101]. - Changes in capital, liquidity, and leverage regulations may require ING to maintain more capital or raise different types of capital, impacting its financial condition[102][104]. - The European Commission is reviewing the bank crisis management and deposit insurance framework, with anticipated revisions that may affect ING's operations[88]. Operational and IT Risks - Operational and IT risks, including cyber attacks and system failures, may adversely affect the company's reputation and business results[139]. - The company faces increasing risks related to cybercrime and compliance with cybersecurity regulations, which could adversely impact its operations[143]. - The company has experienced a rise in cyber attacks, including Distributed Denial of Service (DDoS) and ransomware, as it continues to digitalize its services[144]. - Compliance with new and existing legislation regarding cybersecurity and data privacy could increase the company's compliance costs and affect its reputation[145]. Customer Behavior and Digital Transformation - Over 95% of customers now interact with the company via digital channels only, reflecting a significant shift in customer behavior towards digital banking[58]. - In 2022, over 58% of customers used mobile banking only, up from 51% in 2021, with the highest adoption in Turkey (88%) and Romania (74%)[226]. - The Everyday Roundup digital product is used by over 1.1 million customers across six countries, helping customers save by rounding up transactions[230]. - ING launched Visa Mobile in Poland, allowing customers to make payments securely without using card data, enhancing digital payment options[228]. - The company doubled the number of remote video advice meetings compared to the previous year, indicating a shift towards digital self-service channels[232]. - In 2022, ING closed 94 branches as part of its strategy to optimize assisted channels and reduce physical presence[232]. - The new commitment-free account launched in Spain aims to attract new customers with a fully online and instant onboarding process[231]. - ING's updated strategy focuses on superior customer experience and sustainability, positioning the company as a leader in these areas[208]. Environmental and Climate Risks - Environmental and climate risks may impact ING's business, including potential losses from extreme weather events and reputational risks associated with community expectations[53]. - The transition to a low carbon economy may require the company to modify its lending portfolio, potentially leading to claims from customers[135]. - The company is exposed to physical risks from climate change, which could disrupt operations and impact asset values[132]. - ING aims for net zero in its operations and is committed to steering financing towards global climate goals[212]. Human Resources and Management Risks - ING's ability to attract and retain key personnel is critical for its business success, and any inability to do so may adversely affect its results[49]. - The company relies heavily on the quality of its senior management, and competition for key personnel is intense, which could impact its operations[167]. - ING Group is required to hold a shareholder binding vote on its Executive Board remuneration policy at least every four years, which may restrict competitive compensation offerings[168]. Competitive Landscape - The company operates in highly competitive markets, particularly in the Netherlands, where it faces pressure from both traditional banks and new financial technology entrants[149]. - The company may experience pricing pressures due to increased competition and consolidation in the financial services industry, which could adversely impact its profitability[152].

EXHIBIT 99.1 ING to nominate Alexandra Reich as member of the Supervisory Board, releases proxy materials for 2023 AGM The agenda also includes the proposal to the AGM to reappoint KPMG Accountants N.V. as external auditor of ING Group for a period of two years, to audit the financial statements for each of the financial years 2024 and 2025. KPMG was appointed as ING's auditor at the 2015 AGM and was reappointed for a period of four years in 2020. After the audit of the 2025 financial statements, KPMG will ...

ING Groep N.V. (NYSE:ING) Q3 2022 Earnings Conference Call November 3, 2022 4:00 AM ET Company Participants Steven van Rijswijk - Chief Executive Officer | --- | |----------------------------------------------------------| | | | Tanate Phutrakul - Chief Financial Officer | | Conference Call Participants | | Giulia Miotto - Morgan Stanley | | Raul Sinha - JPMorgan | | Farquhar Murray - Autonomous | | Benoit Petrarque - Kepler Cheuvreux | | Andreas Scheriau - Goldman Sachs Kiri Vijayarajah - HSBC | | Tarik El ...

Third quarter 2022 results ING posts net result of €979 mln Steven van Rijswijk, CEO of ING 3 November 2022 Key points ▪ We continue to have confidence in our strengths in a changing economic environment, with the right strategy and a good financial performance ▪ We execute our strategy by creating a superior customer experience and supporting the transition to a more sustainable society ▪ Pre-provision profit excluding regulatory costs and volatile items, was up 18.8% YoY and 9.4% QoQ. This was supported b ...

First quarter 2022 results ING posts 1Q2022 net result of €429 mln Steven van Rijswijk, CEO of ING 6 May 2022 do your thing Key points ▪ Pre-provision profit was strong, supported by resilient NII, with the pressure on liability income turning into a tailwind, strong fees and lower expenses ▪ We continue our support for the green transition, as evidenced by growth of our renewable energy financing and an increasing number of clients supported in their transitions ▪ Digital capabilities were added in our str ...

ING Groep NV (NYSE:ING) Q1 2022 Earnings Conference Call May 6, 2022 3:00 AM ET Company Participants Steven van Rijswijk - CEO Mark Milders - Head, IR Tanate Phutrakul - CFO Ljiljana Cortan - Member, Management Board Conference Call Participants Robin van den Broek - Mediobanca Kirishanthan Vijayarajah - HSBC Tarik El Mejjad - Bank of America Merrill Lynch Benjamin Goy - Deutsche Bank Giulia Miotto - Morgan Stanley Raul Sinha - JPMorgan Chase & Co. Stefan Nedialkov - Citigroup Farquhar Murray - Autonomous R ...

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Full year 2021 results ING posts FY2021 net result of €4,776 mln 4Q2021 net result of €945 mln Steven van Rijswijk, CEO of ING 3 February 2022 Key points ▪ In 2021 our business model proved its strength under challenging conditions, as more Retail customers chose ING as their primary bank and a growing number of businesses turned to ING to support their green transition efforts ▪ Further growth of mobile interactions, with mobile becoming the main channel used by our retail customers ▪ FY2021 income increas ...