Ratings

Credit Ratings
	S&P	Moody's	Fitch	GBB-Rating
ING Groep N.V.
Long-term	A-	Baa1	A+
Short-term	A-2	NA	F1
Outlook	Stable	Stable	Stable
Latest credit opinion	29/12/2015	03/08/2016	14/04/2016
ING Bank N.V.
Long-term	A	A1	A+	A+
Short-term	A-1	P-1	F1	NA
Outlook	Stable	Stable	Stable	Stable
Latest credit opinion	29/12/2015	03/08/2016	14/04/2016	22/06/2016

Note: The ratings listed above are provided for information purposes only, and are solely the opinions of the agencies issuing such ratings. By providing these ratings, ING does not imply its endorsement of or concurrence with such ratings. Ratings may be changed, superseded or withdrawn by the agencies at any time, but ING undertakes no obligation to update this list.

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Sustainability Ratings

Sustainability Ratings
	Dow Jones Sustainability Indexes (RobecoSAM Score)	Sustainalytics	CDP (Carbon Discosure Project)
ING Groep N.V.	Score: 90 (out of 100) Updated: 8 September 2016	Score: 86 (out of 100) Position: 1 out of 395 banks Updated: 25 August 2016	Score: 100 (out of 100) for disclosure, A for performance, Position: Included Updated: 4 November 2015