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</div><div id="page"><section><div class="container"><div class="content-area"><div class="wrapper w640 mini-nav"><select data-select-type="redirect" ><option selected="selected" value="/en/ing/investor-relations/independent-auditors-reports">Independent Auditors’ Reports</option><option value="/en/ing/investor-relations/annual-reports">Annual Reports</option><option value="/en/ing/investor-relations/brsa-financial-statements">BRSA Financial Statements</option><option value="/en/ing/investor-relations/presentations">Presentations</option><option value="/en/ing/investor-relations/trsrs-compliant-sustainability-reports">TSRS Compliant Sustainability Reports</option></select></div><div class="wrapper article" ><h1 class="narrow-title">Independent Auditors’ Reports</h1></div><div class="wrapper article" ><p></p><p></p><div class="clearfix"></div></div><div class="wrapper downloads" ><div id="1" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>June 2026</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/EN/ING_Bank_A.S._Unconsolidated_30.06.2026.pdf" title="Unonsolidated PDF">Unonsolidated PDF</a></span></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/EN/ING_Bank_A.S._Consolidated_30.06.2026.pdf" title="Consolidated PDF ">Consolidated PDF </a></span></p><div class="clearfix"></div></div></div><div id="Download2" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>December 2025</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/EN/ING_Bank_A.S._Unconsolidated_31.12.2025.pdf" title="Unconsolidated PDF ">Unconsolidated PDF </a></span></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/EN/ING_Bank_A.S._Consolidated_31.12.2025.pdf" title="Consolidated PDF ">Consolidated PDF </a></span></p><div class="clearfix"></div></div></div><div id="Download3" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>June 2025</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/EN/ING_Bank_A.S._Unconsolidated_Financial_Statements_30.06.2025.pdf" title="Unconsolidated PDF ">Unconsolidated PDF </a></span></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/EN/ING_Bank_A.S._Consolidated_Financial_Statements_30.06.2025.pdf" title="Consolidated PDF">Consolidated PDF</a></span></p><div class="clearfix"></div></div></div><div id="Download4" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>December 2024</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/ING_Bank_A.S._31.12.2024_Unconsolidated.pdf" title="Unconsolidated PDF">Unconsolidated PDF</a></span></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/ING_Bank_A.S._31.12.2024_Consolidated.pdf" title="Consolidated PDF">Consolidated PDF</a></span></p><div class="clearfix"></div></div></div><div id="Download5" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>June 2024</strong><p class="text m-b10">Independent Auditors’ Reports</p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/ING_Bank_A.S._30.06.2024_Unconsolidated.pdf" title="Unconsolidated PDF ">Unconsolidated PDF </a></span></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/ING_Bank_A.S._30.06.2024_Consolidated.pdf" title="Consolidated PDF">Consolidated PDF</a></span></p><div class="clearfix"></div></div></div><div id="Download6" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>December 2023</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/EN_31.12.2023_Consolidated.pdf" title="Consolidated PDF - December 2023">Consolidated PDF - December 2023</a></span></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/EN_31.12.2023_Unconsolidated.pdf" title="Unconsolidated PDF - December 2023">Unconsolidated PDF - December 2023</a></span></p><div class="clearfix"></div></div></div><div id="Download7" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>June 2023</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/EN/30.06.2023__Unconsolidated.pdf" title="Unconsolidated PDF - June 2023">Unconsolidated PDF - June 2023</a></span></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/EN/30.06.2023__Consolidated.pdf" title="Consolidated PDF - June 2023">Consolidated PDF - June 2023</a></span></p><div class="clearfix"></div></div></div><div id="Download8" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>December 2022</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/Yatirimci_iliskileri/Bagimsiz_Denetim_Raporlari/ING_Bank_A.S_31.12.2022_Unconsolidated.pdf" title="Unconsolidated PDF">Unconsolidated PDF</a></span></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/Yatirimci_iliskileri/Bagimsiz_Denetim_Raporlari/ING_Bank_A.S_31.12.2022_Consolidated.pdf" title="Consolidated PDF - 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December 2020">Consolidated PDF - December 2020</a></span></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/Yatirimci_iliskileri/Bagimsiz_Denetim_Raporlari/Konsolide_Olmayan/2020/ING_Bank_A.S._31.12.2020_Unconsolidated_Report.pdf" title="Unconsolidated PDF - December 2020">Unconsolidated PDF - December 2020</a></span></p><div class="clearfix"></div></div></div><div id="Download13" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>September 2020</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/Yatirimci_iliskileri/Bagimsiz_Denetim_Raporlari/Konsolide/2020/ING_Bank_A.S._30.09.2020_Consolidated_Report_Final.pdf" title="Consolidated PDF - September 2020">Consolidated PDF - September 2020</a></span></p><div class="clearfix"></div></div></div><div id="Download14" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>June 2020</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/Yatirimci_iliskileri/Bagimsiz_Denetim_Raporlari/Konsolide/2020/ING_Bank_A.S._30.06.2020_Consolidated_Report_Final.pdf" title="Consolidated PDF - June 2020">Consolidated PDF - June 2020</a></span></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/Yatirimci_iliskileri/Bagimsiz_Denetim_Raporlari/ING_Bank_A.S._30.06.2020_Unconsolidated_Report_Final.pdf" title="Unconsolidated PDF - June 2020">Unconsolidated PDF - June 2020</a></span></p><div class="clearfix"></div></div></div><div id="Download15" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>March 2020</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/ING_Bank_A.S._31.03.2020_Consolidated_Report_Final2.pdf" title="Consolidated PDF - March 2020">Consolidated PDF - March 2020</a></span></p><div class="clearfix"></div></div></div><div id="Download16" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>December 2019</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/Yatirimci_iliskileri/Bagimsiz_Denetim_Raporlari/Konsolide/2019/ING_Bank_A.S._31.12.2019_Consolidated_Report_-_Final.pdf" title="Consolidated PDF - December 2019">Consolidated PDF - December 2019</a></span></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/Yatirimci_iliskileri/Bagimsiz_Denetim_Raporlari/Konsolide_Olmayan/2019/ING_Bank_A.S._31.12.2019_Unconsolidated_Report_Final.pdf" title="Unconsolidated PDF - December 2019">Unconsolidated PDF - December 2019</a></span></p><div class="clearfix"></div></div></div><div id="Download17" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>September 2019</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/EN/ING_Bank_A.S._30.09.2019_Consolidated_Report_FINAL.pdf" title="Consolidated PDF – September 2019">Consolidated PDF – September 2019</a></span></p><div class="clearfix"></div></div></div><div id="Download18" class="wrapper-content"><div class="line m-b20"><div class="f-left m-r20"><img alt="" src="/documents/ingbank/assets/img/pdf-icon.png"/></div><strong>June 2019</strong><p class="text m-b10"></p><p><span class="ui-buttons small blank"><span class="ui-arrows small"></span><a href="/F/Documents/pdf/Yatirimci_iliskileri/Bagimsiz_Denetim_Raporlari/Konsolide/2019/ING_Bank_A.S._30.06.2019_Consolidated_Report_Final.pdf" title="Consolidated PDF - 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