Disclosure of management approach to material non-financial topics

The report describes ING's 2019 management approach across digitalisation, innovation, customer privacy, cyber resilience, ethics and climate change. It highlights an EUR 25 million Innovation Fund and a platform serving 38.4 million customers. During 2019, no major cyber security incidents occurred. Climate highlights include EUR 18.7 billion in Climate Finance and a 22% year-on-year reduction in lending to coal-fired power plants.