 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 Research Omar Fall - Barclays Bank Stefan Nedialkov - Citigroup Karl Peace - Crédit Suisse Guillaume Tiberghien - BNP Paribas Exane Benoit Petrarque - Kepler Cheuvreux Anke Reingen - RBC Capital Markets Esther Castro - Banco Sabadell Operator Welcome to ING First Quarter 2022 Conference Call Technical Difficulty regarding future developments in our business, expectations for our future financial performance and any statement not involving an historical fact. Actual results may differ materially from those projected in any forward-looking statements. 