UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) | ☐ | REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF | | --- | --- | | | 1934 | OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ING Group Annual Report 2019 on Form Filed with the United States Securities and Exchange Commission for the y 2019 ING Group Annual Report on Form 20-F 3 | | | For the fiscal year ended 31 December 2019 | ...

ING Groep N.V. (NYSE:ING) Q4 2019 Earnings Conference Call February 6, 2020 3:00 AM ET Company Participants Ralph Hamers – Chief Executive Officer Tanate Phutrakul – Chief Financial Officer Steven van Rijswijk – Chief Risk Officer Conference Call Participants Robin van den Broek – Mediobanca Pawel Dziedzic – Goldman Sachs Benoit Petrarque – Kepler Cheuvreux Farquhar Murray – Autonomous Stefan Nedialkov – Citi Raul Sinha – JPMorgan Tarik El Mejjad – BofA Merrill Lynch Omar Fall – Barclays Kiri Vijayarajah – ...

Full year 2019 results ING posts 2019 net result of €4,781 mln; 4Q2019 net result of €880 mln Ralph Hamers, CEO ING Amsterdam • 6 February 2020 thinkforward Key points • Our primary customer base, a driver of future value, increased by more than 830,000, to 13.3 mln in 2019 • We recorded net core lending growth of €17.2 bln in 2019, or 2.9%, primarily in Retail Banking which grew by €16.1 bln while growth in Wholesale Banking slowed down to €1.1 bln • Results were supported by disciplined pricing, especiall ...

ING Groep N.V. (NYSE:ING) Q3 2019 Earnings Conference Call October 31, 2019 4:00 AM ET Company Participants | --- | --- | |----------------------------------------------------------------------------------------------------------------------------|-------| | | | | Ralph Hamers - Chief Executive Officer Tanate Phutrakul - Chief Financial Officer Steven van Rijswijk - Chief Risk Officer | | | Conference Call Participants | | | Stefan Nedialkov - Citi | | | Pawel Dziedzic - Goldman Sachs | | | Robin van den Br ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended 31 December 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 193 ...