Presentation for Hungarian Business Seminar Eindhoven, April 15, 2010 Job den Hamer Head of Sales of European Business Desk

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1 ING Presentation for Hungarian Business Seminar Eindhoven, April 15, 2010 Job den Hamer Head of Sales of European Business Desk

2 ING Group Dutch financial group According to Fortune Top 500 it is the 8th largest group in the world in terms of turnover (published in July 2009) With a wide range of financial services it is an important player on the world savings market Divisions: Bank (Wholesale Bank, Retail Bank, ING Direct, Real Estate) Insurance History Oldest predecessor from 1743 Foundation of ING Group in 1991 from the merge of NMB Postbank and Nationale Nederlanden. Largest acquisitions: Barings Bank Bank Brussels Lambert Bank Slaski (Poland) Oyak Bank (Turkey) Global expansion, focus in Central-Eastern Europe Key figures in 2009 Net result / ING Group 748 mln Net result / ING Bank 4Q 132 mln Total assets 1,1 bln Staff Around Global presence S&P rating ING Bank (ING Group rating AA- A+)

3 ING International Business Network Global player with local presence ING has a network of European Business Desks, which extends over 20 European countries, Turkey, India and China; Clients, ING Labels and Alliance Banking relations; Focus on servicing foreign subsidiaries of Mid corporate clients in the home markets of ING (Benelux, Poland, Romania, Turkey, India and Thailand) and foreign subsidiaries of ING Corporate Relationship based approach to our international customers; dedicated local relationship manager; close cooperation with our central relationship team.

4 ING Bank N.V. Hungary Branch Top service provider of multinationals, big internationals and the most important Hungarian big corporates Being a wholesale bank we provide our clients with flexible and tailor-made personal client service Market leader in more segments of Hungarian money and capital markets, several international awards in cash management services Personal client service: responsible relationship managers, in case of key international relationship Parent Account Manager (PAM), Client Service, Treasury, Help Desk Main data Foundation 1991 Staff 200 Relationship management 14 Financial data (2008 Profit after tax EUR 17,9 mio Total assets EUR 1,7 bio ING Bank N.V. Hungary Branch

5 European Business Desk Team in Hungary 3 dedicated persons located in Budapest Working with 372 business clients. Advantages for companies with Benelux origin: - Beneficial fee structure in account keeping services - Plain vanilla lending products - Harmonised solutions for the region ING Bank N.V. Hungary Branch

6 Product range Full range of financial services to corporates Payment and Cash Management Account maintenance, payment services Electronic banking Cash pool Corporate cards Cash and vault Lending and doc credit Working capital financing Special purpose lending Documentary products bank guarantees, Letter of Credits, direct debit, cheques Financial Markets Spot and forward transactions ING Trade Online trading FX Options and IR Derivatives Commodity Derivatives Deposits and fixed income trading Equity markets Equity trading Domestic and international shares Equity research Preparation for and execution of IPOs, share issuances Custody Securities accounts Settlement of Hungarian and international securities Management of corporate events Escrow transactions Structured products Unique and tailor-made financing solutions Projects and consortial loans Financial advisory Corporate bond issue Leasing General assets, trucks, machinery and real estate Operative and financial lease Structured lease (SPC) Business strategy services Optimization of corporate structures and relationships Optimized financing of operations Acquisitions and divestment of divisions Employee Benefits Group life, accident and health insurance Pension funds Healthcare fund Development of a fringe benefits system

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