 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 Mejjad - Bank of America Benjamin Goy - Deutsche Bank Anke Reingen - RBC Amit Goel - Barclays Flora Bocahut - Jefferies Adam Terelak - Mediobanca Operator Good morning. 