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  <xs:element id="ing_ChemicalsHealthAndPharmaceuticalsMember" abstract="true" name="ChemicalsHealthAndPharmaceuticalsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_BuildersAndContractorsMember" abstract="true" name="BuildersAndContractorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TelecomMember" abstract="true" name="TelecomMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherNettingMember" abstract="true" name="OtherNettingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PercentageOfForborneAssetsConcentratedInFiveMainEconomicSectors" abstract="false" name="PercentageOfForborneAssetsConcentratedInFiveMainEconomicSectors" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_PerformingExposureMember" abstract="true" name="PerformingExposureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_TransportationLogisticsMember" abstract="true" name="TransportationLogisticsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_BuildersContractorsMember" abstract="true" name="BuildersContractorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ChemicalsHealthPharmaceuticalsMember" abstract="true" name="ChemicalsHealthPharmaceuticalsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_StageOneCreditImpairmentMember" abstract="true" name="StageOneCreditImpairmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_PercentageOfFinancialAssets" abstract="false" name="PercentageOfFinancialAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="ing_FinancialAssetsIncreaseInProvisions" abstract="false" name="FinancialAssetsIncreaseInProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughNetLevelOneTransfersFinancialAssets" abstract="false" name="IncreaseDecreaseThroughNetLevelOneTransfersFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseDecreaseDueToSalesAndRepaymentsFinancialAssets" abstract="false" name="IncreaseDecreaseDueToSalesAndRepaymentsFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_TransferIntoStage3Member" abstract="true" name="TransferIntoStage3Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_ModificationGainsAndLossesOnRestructuredFinancialAssetsMember" abstract="true" name="ModificationGainsAndLossesOnRestructuredFinancialAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_EurozoneMember" abstract="true" name="EurozoneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_GlobalOutputPercent" abstract="false" name="GlobalOutputPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="ing_GlobalGdpRateIncreaseDecrease" abstract="false" name="GlobalGdpRateIncreaseDecrease" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_GlobalGdpRateIncreaseDecreaseAssumed" abstract="false" name="GlobalGdpRateIncreaseDecreaseAssumed" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_CommercialRealEstateInflationAndInterestRateIncreases" abstract="false" name="CommercialRealEstateInflationAndInterestRateIncreases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_MortgagePortfolioAdjustments" abstract="false" name="MortgagePortfolioAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_ExpectedCreditLossesSensitivityYearOne" abstract="false" name="ExpectedCreditLossesSensitivityYearOne" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="ing_InternalCreditGradeFiveMember" abstract="true" name="InternalCreditGradeFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_FinancialInstitutionsMember" abstract="true" name="FinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfReconciliationNetResultEUIFRSAndIASBIFRSAbstract" abstract="true" name="DisclosureOfReconciliationNetResultEUIFRSAndIASBIFRSAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_NetResultAttributableToOwnersOfParentEUIFRS" abstract="false" name="NetResultAttributableToOwnersOfParentEUIFRS" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ReconciliationNetResultAdjustmentOfEUIAS39Carveout" abstract="false" name="ReconciliationNetResultAdjustmentOfEUIAS39Carveout" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ReconciliationNetResultTaxEffectOfAdjustment" abstract="false" name="ReconciliationNetResultTaxEffectOfAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ReconciliationNetResultEffectOfAdjustmentAfterTaxEUIAS39Carveout" abstract="false" name="ReconciliationNetResultEffectOfAdjustmentAfterTaxEUIAS39Carveout" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfReconciliationShareholderEquityEUIFRSAndIASBIFRSAbstract" abstract="true" name="DisclosureOfReconciliationShareholderEquityEUIFRSAndIASBIFRSAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_ShareholderEquityInAccordanceWithEUIFRS" abstract="false" name="ShareholderEquityInAccordanceWithEUIFRS" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AdjustmentOfEUIAS39Carveout" abstract="false" name="AdjustmentOfEUIAS39Carveout" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TaxEffectOfAdjustment" abstract="false" name="TaxEffectOfAdjustment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_EffectOfEUIAS39CarveoutAdjustmentAfterTax" abstract="false" name="EffectOfEUIAS39CarveoutAdjustmentAfterTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfMaterialAccountingPoliciesTable" abstract="true" name="DisclosureOfMaterialAccountingPoliciesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_TargetedLongerTermRefinancingMember" abstract="true" name="TargetedLongerTermRefinancingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfMaterialAccountingPoliciesLineItems" abstract="true" name="DisclosureOfMaterialAccountingPoliciesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_RepaymentOfDepositsFromBanks" abstract="false" name="RepaymentOfDepositsFromBanks" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NumberOfReportableSegments1" abstract="false" name="NumberOfReportableSegments1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ing_CashAndBalancesWithCentralBankTable" abstract="true" name="CashAndBalancesWithCentralBankTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_CashAndBalancesWithCentralBankLineItems" abstract="true" name="CashAndBalancesWithCentralBankLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfLoansAndAdvancesToBanksTable" abstract="true" name="DisclosureOfLoansAndAdvancesToBanksTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfLoansAndAdvancesToBanksLineItems" abstract="true" name="DisclosureOfLoansAndAdvancesToBanksLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_LoansAndAdvancesToBanksMember" abstract="true" name="LoansAndAdvancesToBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LoansAndAdvancesToCustomersMember" abstract="true" name="LoansAndAdvancesToCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DepositsFromBanksCategoryMember" abstract="true" name="DepositsFromBanksCategoryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DepositsFromCustomersCategoryMember" abstract="true" name="DepositsFromCustomersCategoryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FundsEntrustedMember" abstract="true" name="FundsEntrustedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SecuritiesInReverseRepurchaseTransactionMember" abstract="true" name="SecuritiesInReverseRepurchaseTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReceivablesRelatedToSecuritiesInRepurchaseTransactionsMemberMember" abstract="true" name="ReceivablesRelatedToSecuritiesInRepurchaseTransactionsMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NonTradingDerivativeMember" abstract="true" name="NonTradingDerivativeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TypesOfNonHedgesAxis" abstract="true" name="TypesOfNonHedgesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_NonHedgesMember" abstract="true" name="NonHedgesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherNonTradingDerivativesMember" abstract="true" name="OtherNonTradingDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" abstract="false" name="FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InvestmentInBankOfBeijingMember" abstract="true" name="InvestmentInBankOfBeijingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_InvestmentInVanLanschotKempenMember" abstract="true" name="InvestmentInVanLanschotKempenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherEquityInvestmentsMember" abstract="true" name="OtherEquityInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DebtSecuritiesAndLoansAndAdvancesMember" abstract="true" name="DebtSecuritiesAndLoansAndAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseInUnrealisedRevaluationsFinancialAssets" abstract="false" name="IncreaseDecreaseInUnrealisedRevaluationsFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_VanLanschotKempenN.VMember" abstract="true" name="VanLanschotKempenN.VMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OwnershipInterestHeldInEquityBasedInvestments" abstract="false" name="OwnershipInterestHeldInEquityBasedInvestments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_PercentageOfOwnershipInterestAcquired" abstract="false" name="PercentageOfOwnershipInterestAcquired" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ing_FairValueThroughOtherComprehensiveIncomeAndAmortisedCostMember" abstract="true" name="FairValueThroughOtherComprehensiveIncomeAndAmortisedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_GovernmentBondsMember" abstract="true" name="GovernmentBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CentralBankBondsMember" abstract="true" name="CentralBankBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SubsovereignSupranationalsAndAgenciesMember" abstract="true" name="SubsovereignSupranationalsAndAgenciesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CoveredBondsMember" abstract="true" name="CoveredBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CorporateBondsMember" abstract="true" name="CorporateBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FinancialInstitutionsBondsMember" abstract="true" name="FinancialInstitutionsBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ABSPortfolioMember" abstract="true" name="ABSPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DebtSecuritiesPortfolioMember" abstract="true" name="DebtSecuritiesPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PersonalLendingMember" abstract="true" name="PersonalLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NonsubordinatedMember" abstract="true" name="NonsubordinatedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FinanceLeasesMember" abstract="true" name="FinanceLeasesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfInvestmentsInAssociatesAndJointVenturesTable" abstract="true" name="DisclosureOfInvestmentsInAssociatesAndJointVenturesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_OtherInvestmentsInAssociatesAndJointVenturesMember" abstract="true" name="OtherInvestmentsInAssociatesAndJointVenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TMBThanachartBankPublicCompanyLimitedMember" abstract="true" name="TMBThanachartBankPublicCompanyLimitedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfInvestmentsInAssociatesAndJointVenturesLineItems" abstract="true" name="DisclosureOfInvestmentsInAssociatesAndJointVenturesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_FairValueOfListedInvestment" abstract="false" name="FairValueOfListedInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AssociatesAndJointVenturesMember" abstract="true" name="AssociatesAndJointVenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_BelgiumAssociateMember" abstract="true" name="BelgiumAssociateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseInCashFlowsMember" abstract="true" name="IncreaseInCashFlowsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_IncreaseInDiscountRateMember" abstract="true" name="IncreaseInDiscountRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DecreaseInDiscountRateMember" abstract="true" name="DecreaseInDiscountRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseInTerminalGrowthRateMember" abstract="true" name="IncreaseInTerminalGrowthRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DecreaseInTerminalGrowthRateMember" abstract="true" name="DecreaseInTerminalGrowthRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AccumulatedImpairmentLosses" abstract="false" name="AccumulatedImpairmentLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SensitivityAnalysisReasonablyPossibleChangeInRiskVariablePercentFavorableUnfavorableChangeInCashFlows" abstract="false" name="SensitivityAnalysisReasonablyPossibleChangeInRiskVariablePercentFavorableUnfavorableChangeInCashFlows" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ing_SensitivityAnalysisReasonablyPossibleChangeInRiskVariableImpactOnValueInUse" abstract="false" name="SensitivityAnalysisReasonablyPossibleChangeInRiskVariableImpactOnValueInUse" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterbankAndMoneyMarketItemsAssets" abstract="false" name="InterbankAndMoneyMarketItemsAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InvestmentsNet" abstract="false" name="InvestmentsNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterbankAndMoneyMarketItemsLiabilities" abstract="false" name="InterbankAndMoneyMarketItemsLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DebtIssuedAndBorrowings" abstract="false" name="DebtIssuedAndBorrowings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AdditionsInInvestmentsInAssociatesAndJointVentures" abstract="false" name="AdditionsInInvestmentsInAssociatesAndJointVentures" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TransferToAndFromInvestmentsOtherAssetsAndLiabilities" abstract="false" name="TransferToAndFromInvestmentsOtherAssetsAndLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_RevaluationIncreaseDecreaseInvestmentsInAssociatesAndJointVentures" abstract="false" name="RevaluationIncreaseDecreaseInvestmentsInAssociatesAndJointVentures" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DecreaseInInvestmentsInSubsidiariesJointVenturesAndAssociatesFromDividendsReceived" abstract="false" name="DecreaseInInvestmentsInSubsidiariesJointVenturesAndAssociatesFromDividendsReceived" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisposalsOfInvestmentsInAssociatesAndJointVentures" abstract="false" name="DisposalsOfInvestmentsInAssociatesAndJointVentures" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ImpairmentLossOfInvestmentsInAssociatesAndJointVentures" abstract="false" name="ImpairmentLossOfInvestmentsInAssociatesAndJointVentures" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherEquipmentMember" abstract="true" name="OtherEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AccumulatedRevaluationSurplusMember" abstract="true" name="AccumulatedRevaluationSurplusMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RemeasurementMember" abstract="true" name="RemeasurementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughCapitalisedExpensesIntangibleAssetsAndGoodwill" abstract="false" name="IncreaseDecreaseThroughCapitalisedExpensesIntangibleAssetsAndGoodwill" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_RetailNetherlandsMember" abstract="true" name="RetailNetherlandsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RetailGermanyMember" abstract="true" name="RetailGermanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RetailPolandMember" abstract="true" name="RetailPolandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RetailRomaniaMember" abstract="true" name="RetailRomaniaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CashGeneratingUnitMember" abstract="true" name="CashGeneratingUnitMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ValueInUseCalculationPeriod" abstract="false" name="ValueInUseCalculationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ing_PercentageDecreaseInAvailableCashFlow" abstract="false" name="PercentageDecreaseInAvailableCashFlow" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_ChangeInDiscountRate" abstract="false" name="ChangeInDiscountRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_SensitivityFutureGrowthRate" abstract="false" name="SensitivityFutureGrowthRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_PropertyDevelopmentAndForeclosures" abstract="false" name="PropertyDevelopmentAndForeclosures" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AccruedAssets" abstract="false" name="AccruedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_MiscellaneousOtherAssets" abstract="false" name="MiscellaneousOtherAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfDepositsFromBanksTable" abstract="true" name="DisclosureOfDepositsFromBanksTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfDepositsFromBanksLineItems" abstract="true" name="DisclosureOfDepositsFromBanksLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_NonInterestBearingOnDepositsFromBanks" abstract="false" name="NonInterestBearingOnDepositsFromBanks" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestBearingOnDepositsFromBanks" abstract="false" name="InterestBearingOnDepositsFromBanks" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CustomerDepositsCurrentAccountsAndOvernightDeposits" abstract="false" name="CustomerDepositsCurrentAccountsAndOvernightDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CustomerDepositsSavingsAccounts" abstract="false" name="CustomerDepositsSavingsAccounts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CustomerDepositsTimeDeposits" abstract="false" name="CustomerDepositsTimeDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CustomerAccountsCreditBalances" abstract="false" name="CustomerAccountsCreditBalances" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfCustomerDepositsTable" abstract="true" name="DisclosureOfCustomerDepositsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_CustomerDepositsByCustomerAxis" abstract="true" name="CustomerDepositsByCustomerAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_CustomerDepositsByCustomerDomain" abstract="true" name="CustomerDepositsByCustomerDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfCustomerDepositsLineItems" abstract="true" name="DisclosureOfCustomerDepositsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_NonInterestBearingCustomerDeposits" abstract="false" name="NonInterestBearingCustomerDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestBearingCustomerDeposits" abstract="false" name="InterestBearingCustomerDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CustomerDepositsAndOtherFundsOnDepositMember" abstract="true" name="CustomerDepositsAndOtherFundsOnDepositMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SubordinatedLiabilitiesMember" abstract="true" name="SubordinatedLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ProvisionsBeforeLoanLossMember" abstract="true" name="ProvisionsBeforeLoanLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LoanLossProvisionsForGuaranteesAndLoanCommitmentsMember" abstract="true" name="LoanLossProvisionsForGuaranteesAndLoanCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherProvisionsBeforeLoanLoss" abstract="false" name="OtherProvisionsBeforeLoanLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PensionAndOtherPostEmploymentBenefit" abstract="false" name="PensionAndOtherPostEmploymentBenefit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherStaffRelatedLiabilities" abstract="false" name="OtherStaffRelatedLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherLiabilitiesClassifiedAsOther" abstract="false" name="OtherLiabilitiesClassifiedAsOther" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ShareBuybackProgrammeLiability" abstract="false" name="ShareBuybackProgrammeLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_A4.13FixedRateSubordinatedGreenTier2NotesEURMember" abstract="true" name="A4.13FixedRateSubordinatedGreenTier2NotesEURMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_A3.88FixedRateSubordinatedTier2NotesEURMember" abstract="true" name="A3.88FixedRateSubordinatedTier2NotesEURMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_A7.00PerpetualAT1ContingentConvertibleCapitalSecuritiesUSDMember" abstract="true" name="A7.00PerpetualAT1ContingentConvertibleCapitalSecuritiesUSDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_A2.00FixedSubordinatedTier2NotesEURMember" abstract="true" name="A2.00FixedSubordinatedTier2NotesEURMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_A6.50PerpetualAT1ContingentConvertibleCapitalSecuritiesUSDMember" abstract="true" name="A6.50PerpetualAT1ContingentConvertibleCapitalSecuritiesUSDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_A1.00FixedSubordinatedTier2NotesEURMember" abstract="true" name="A1.00FixedSubordinatedTier2NotesEURMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareCapitalAndSharePremiumAbstract" abstract="true" name="ShareCapitalAndSharePremiumAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_OtherReservesAbstract" abstract="true" name="OtherReservesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_RevaluationReservesCreditLiability" abstract="false" name="RevaluationReservesCreditLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ReserveOfPropertyInOwnUse" abstract="false" name="ReserveOfPropertyInOwnUse" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ReserveFromShareOfChangesInEquitiesOfAssociatesAndJointVenture" abstract="false" name="ReserveFromShareOfChangesInEquitiesOfAssociatesAndJointVenture" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IAS29Member" abstract="true" name="IAS29Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RevaluationReserves" abstract="false" name="RevaluationReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_UnissuedSharesNumber" abstract="false" name="UnissuedSharesNumber" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_SharesAuthorizedValue" abstract="false" name="SharesAuthorizedValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_UnissuedSharesValue" abstract="false" name="UnissuedSharesValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CancellationOfTreasuryStockShares" abstract="false" name="CancellationOfTreasuryStockShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_PerpetualAdditionalTier1ContingentCapitalSecuritiesMember" abstract="true" name="PerpetualAdditionalTier1ContingentCapitalSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ConditionOfConversionGroupCET1RationMinimum" abstract="false" name="ConditionOfConversionGroupCET1RationMinimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ing_ReserveOfProertyInUseMember" abstract="true" name="ReserveOfProertyInUseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseInUnrealisedRevaluations" abstract="false" name="IncreaseDecreaseInUnrealisedRevaluations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_GainLossOnRealizedTransferredToTheStatementOfProfitOrLoss" abstract="false" name="GainLossOnRealizedTransferredToTheStatementOfProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ChangesInCreditLiabilityReserve" abstract="false" name="ChangesInCreditLiabilityReserve" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_UnrealisedRevaluationsAndExchangeRateDifferencesMember" abstract="true" name="UnrealisedRevaluationsAndExchangeRateDifferencesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareOfAssociatesJointVenturesAndOtherReservesMember" abstract="true" name="ShareOfAssociatesJointVenturesAndOtherReservesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ChangesInTransferToOrFromRetainedEarnings" abstract="false" name="ChangesInTransferToOrFromRetainedEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_StichtingRegioBankAndStichtingVakbondsspaarbankSpnMember" abstract="true" name="StichtingRegioBankAndStichtingVakbondsspaarbankSpnMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareOfAssociatesJointVentureAndOtherReservesIncludingNonDistributableProfitsFromAssociatesAndJointVentures" abstract="false" name="ShareOfAssociatesJointVentureAndOtherReservesIncludingNonDistributableProfitsFromAssociatesAndJointVentures" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LegalReserve" abstract="false" name="LegalReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughTreasuryShareTransactionsExcludingShareBasedPaymentTransactions" abstract="false" name="IncreaseDecreaseThroughTreasuryShareTransactionsExcludingShareBasedPaymentTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DecreaseThroughShareBasedPaymentTransactionsEquity" abstract="false" name="DecreaseThroughShareBasedPaymentTransactionsEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseThroughShareBasedPaymentTransactionsEquity" abstract="false" name="IncreaseThroughShareBasedPaymentTransactionsEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ShareBuybackProgrammeAmount" abstract="false" name="ShareBuybackProgrammeAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ShareBuybackProgrammeCancelledAmount" abstract="false" name="ShareBuybackProgrammeCancelledAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseThroughShareBasedPaymentTransactionsShares" abstract="false" name="IncreaseThroughShareBasedPaymentTransactionsShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_DecreaseThroughShareBasedPaymentTransactionsShares" abstract="false" name="DecreaseThroughShareBasedPaymentTransactionsShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_ShareBuybackProgrammeShares" abstract="false" name="ShareBuybackProgrammeShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_ShareBuybackProgrammeCancelledShares" abstract="false" name="ShareBuybackProgrammeCancelledShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_ShareRepurchaseProgramOneMember" abstract="true" name="ShareRepurchaseProgramOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareRepurchaseProgramTwoMember" abstract="true" name="ShareRepurchaseProgramTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareRepurchaseProgramThreeMember" abstract="true" name="ShareRepurchaseProgramThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareRepurchaseProgramFourMember" abstract="true" name="ShareRepurchaseProgramFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareBuybackProgrammeAuthorized" abstract="false" name="ShareBuybackProgrammeAuthorized" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SharesRepurchasedEffectivePricePerShare" abstract="false" name="SharesRepurchasedEffectivePricePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="ing_SharesRepurchasedAveragePricePerShare" abstract="false" name="SharesRepurchasedAveragePricePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="ing_TransferToFromOtherReserves" abstract="false" name="TransferToFromOtherReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DividendsRecognisedAsDistributionsToOwners1" abstract="false" name="DividendsRecognisedAsDistributionsToOwners1" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughShareBuybacksAndOtherChangesEquity" abstract="false" name="IncreaseDecreaseThroughShareBuybacksAndOtherChangesEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_INGGroupMember" abstract="true" name="INGGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CumulativePreferenceSharesMember" abstract="true" name="CumulativePreferenceSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherCashDistributions" abstract="false" name="OtherCashDistributions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseDividendAsPercentage" abstract="false" name="IncreaseDividendAsPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_OtherBankMember" abstract="true" name="OtherBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NonDistributableReserves" abstract="false" name="NonDistributableReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestIncomeOnLoansToCustomersAndBanksCashBalancesAndNegativeInterestOnLiabilities" abstract="false" name="InterestIncomeOnLoansToCustomersAndBanksCashBalancesAndNegativeInterestOnLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestIncomeOnNonTradingDerivativesHedgeAccountingIfrs9" abstract="false" name="InterestIncomeOnNonTradingDerivativesHedgeAccountingIfrs9" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestIncomeOnNonTradingDerivativesNotQualifiedForHedgeAccounting" abstract="false" name="InterestIncomeOnNonTradingDerivativesNotQualifiedForHedgeAccounting" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_MiscellaneousInterestIncome" abstract="false" name="MiscellaneousInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestExpenseOnDepositsFromBanksAndCustomers" abstract="false" name="InterestExpenseOnDepositsFromBanksAndCustomers" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestExpenseOnSubordinatedLoans" abstract="false" name="InterestExpenseOnSubordinatedLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestExpenseOnNonTradingDerivativesQualifiedForHedgeAccounting" abstract="false" name="InterestExpenseOnNonTradingDerivativesQualifiedForHedgeAccounting" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestExpenseOnNonTradingDerivativesNotQualifiedForHedgeAccounting" abstract="false" name="InterestExpenseOnNonTradingDerivativesNotQualifiedForHedgeAccounting" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_MiscellaneousInterestExpense" abstract="false" name="MiscellaneousInterestExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NegativeInterestIncomeOnLiabilities" abstract="false" name="NegativeInterestIncomeOnLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NegativeInterestExpenseOnAssets" abstract="false" name="NegativeInterestExpenseOnAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NetInterestIncomeDisclosureTable" abstract="true" name="NetInterestIncomeDisclosureTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_EuIas39CarveOutMember" abstract="true" name="EuIas39CarveOutMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_WithoutEuIas39CarveOutMember" abstract="true" name="WithoutEuIas39CarveOutMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ProgrammeAxis" abstract="true" name="ProgrammeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_ProgrammeDomain" abstract="true" name="ProgrammeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TLTROIIIMember" abstract="true" name="TLTROIIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NetInterestIncomeDisclosureLineItems" abstract="true" name="NetInterestIncomeDisclosureLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_IncreaseDecreaseOfNetInterestIncome" abstract="false" name="IncreaseDecreaseOfNetInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PaymentServicesFeeAndCommissionIncome" abstract="false" name="PaymentServicesFeeAndCommissionIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SecuritiesBusinessFeeAndCommissionIncome" abstract="false" name="SecuritiesBusinessFeeAndCommissionIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InsuranceAndOtherBrokingFeeAndCommissionIncome" abstract="false" name="InsuranceAndOtherBrokingFeeAndCommissionIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LendingBusinessFeeAndCommissionIncome" abstract="false" name="LendingBusinessFeeAndCommissionIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FinancialGuaranteesAndOtherCommitments" abstract="false" name="FinancialGuaranteesAndOtherCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PaymentServicesFeeAndCommissionExpense" abstract="false" name="PaymentServicesFeeAndCommissionExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SecuritiesBusinessFeeAndCommissionExpense" abstract="false" name="SecuritiesBusinessFeeAndCommissionExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DistributionOfProductsFeeAndCommissionExpense" abstract="false" name="DistributionOfProductsFeeAndCommissionExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ValuationResultsAndNetTradingIncomeTable" abstract="true" name="ValuationResultsAndNetTradingIncomeTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_ValuationResultsAndNetTradingIncomeLineItems" abstract="true" name="ValuationResultsAndNetTradingIncomeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_TradingIncomeExpenseOnSecurities" abstract="false" name="TradingIncomeExpenseOnSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_GainsLossesOnChangeInFairValueOfHedgedItems" abstract="false" name="GainsLossesOnChangeInFairValueOfHedgedItems" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_GainsLossesOnAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossExcludingTrading" abstract="false" name="GainsLossesOnAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossExcludingTrading" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ImpactOfInterestRateVolatilityEUIAS39CarveOutAdjustment" abstract="false" name="ImpactOfInterestRateVolatilityEUIAS39CarveOutAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_GainLossOnDisposalOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" abstract="false" name="GainLossOnDisposalOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherInvestmentIncome" abstract="false" name="OtherInvestmentIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_GainLossFromHyperinflationRemeasurement" abstract="false" name="GainLossFromHyperinflationRemeasurement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_ManagementBoardOfIngBankMember" abstract="true" name="ManagementBoardOfIngBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SeniorManagementAndOtherEmployeesMember" abstract="true" name="SeniorManagementAndOtherEmployeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ExpenseFromEquitySettledSharebasedPaymentArrangement" abstract="false" name="ExpenseFromEquitySettledSharebasedPaymentArrangement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ShareAwardsRelatingToEquitySettledSharebasedPaymentArrangement" abstract="false" name="ShareAwardsRelatingToEquitySettledSharebasedPaymentArrangement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
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  <xs:element id="ing_ShareAwardsMember" abstract="true" name="ShareAwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PromotionalAndClientAcquisitionCosts" abstract="false" name="PromotionalAndClientAcquisitionCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InformationTechnologyExpenses" abstract="false" name="InformationTechnologyExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_DepreciationAndImpairmentOfPropertyAndEquipment" abstract="false" name="DepreciationAndImpairmentOfPropertyAndEquipment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_ContributionsToDepositGuaranteeSchemes" abstract="false" name="ContributionsToDepositGuaranteeSchemes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ContributionsToSingleAndLocalResolutionFund" abstract="false" name="ContributionsToSingleAndLocalResolutionFund" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseDecreaseInLocalBankTaxes" abstract="false" name="IncreaseDecreaseInLocalBankTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_OtherCashDistributionsPerShare" abstract="false" name="OtherCashDistributionsPerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="ing_WithholdingTaxOnDividendsPaid" abstract="false" name="WithholdingTaxOnDividendsPaid" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="ing_BankingActivitiesMember" abstract="true" name="BankingActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CorporateLineBankingMember" abstract="true" name="CorporateLineBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PercentageOfIncreaseDecreaseOfRevenue" abstract="false" name="PercentageOfIncreaseDecreaseOfRevenue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ing_IncreaseDecreaseOfRevenueDueToForeignCurrencyRatioHedging" abstract="false" name="IncreaseDecreaseOfRevenueDueToForeignCurrencyRatioHedging" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_IFRSEUResultsMember" abstract="true" name="IFRSEUResultsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_GrowthMarketMember" abstract="true" name="GrowthMarketMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_WholesaleBankingRestOfWorldMember" abstract="true" name="WholesaleBankingRestOfWorldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_AverageNumberOfEmployeesOnFullTimeEquivalentBasis" abstract="false" name="AverageNumberOfEmployeesOnFullTimeEquivalentBasis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="ing_PublicSubsidiesAmountReceived" abstract="false" name="PublicSubsidiesAmountReceived" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherCountriesMember" abstract="true" name="OtherCountriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetAfterNetInterestIncome" abstract="false" name="ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetAfterNetInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_DeferredTaxInConnectionWithUnusedTaxLossesCarriedForward" abstract="false" name="DeferredTaxInConnectionWithUnusedTaxLossesCarriedForward" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesLineItems" abstract="true" name="DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="ing_CarryingAmountOfAssociatedFinancialLiabilities" abstract="false" name="CarryingAmountOfAssociatedFinancialLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherItemsWhereOffsettingIsAppliedInTheStatementOfFinancialPositionNettingMember" abstract="true" name="OtherItemsWhereOffsettingIsAppliedInTheStatementOfFinancialPositionNettingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TradingAndNonTradingMember" abstract="true" name="TradingAndNonTradingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" abstract="true" name="ReverseRepurchaseSecuritiesBorrowingAndSimilarAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherFinancialInstrumentMember" abstract="true" name="OtherFinancialInstrumentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CashPoolsMember" abstract="true" name="CashPoolsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" abstract="false" name="FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FinancialAssetsStatementOfFinancialPosition" abstract="false" name="FinancialAssetsStatementOfFinancialPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LoansAndAdvancesToBanksExcludingRepurchaseAgreementsNotSubjectToOffsetting" abstract="false" name="LoansAndAdvancesToBanksExcludingRepurchaseAgreementsNotSubjectToOffsetting" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LoansAndAdvancesToCustomersExcludingRepurchaseAgreementSubjectToOffsetting" abstract="false" name="LoansAndAdvancesToCustomersExcludingRepurchaseAgreementSubjectToOffsetting" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherAssetsExcludingRepurchaseAgreementSubjectToOffsetting" abstract="false" name="OtherAssetsExcludingRepurchaseAgreementSubjectToOffsetting" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CustomerDepositsCategoryMember" abstract="true" name="CustomerDepositsCategoryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RepurchaseSecuritiesLendingAndSimilarAgreementsMember" abstract="true" name="RepurchaseSecuritiesLendingAndSimilarAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DerivativesLiabilitiesMember" abstract="true" name="DerivativesLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TradingAndNonTradingLiabilitiesMember" abstract="true" name="TradingAndNonTradingLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" abstract="false" name="FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FinancialLiabilitiesStatementOfFinancialPosition" abstract="false" name="FinancialLiabilitiesStatementOfFinancialPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DepositsFromBanksExcludingRepurchaseAgreementsSubjectToOffsetting1" abstract="false" name="DepositsFromBanksExcludingRepurchaseAgreementsSubjectToOffsetting1" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DepositsFromCustomersExcludingRepurchaseAgreementsSubjectToOffsetting" abstract="false" name="DepositsFromCustomersExcludingRepurchaseAgreementsSubjectToOffsetting" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherLiabilitiesSubjectToOffsetting" abstract="false" name="OtherLiabilitiesSubjectToOffsetting" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IrrevocablePaymentCommitmentsMember" abstract="true" name="IrrevocablePaymentCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_VoyaFinancialIncMember" abstract="true" name="VoyaFinancialIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SingleResolutionFundMember" abstract="true" name="SingleResolutionFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DepositGuaranteeSchemeMember" abstract="true" name="DepositGuaranteeSchemeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AdditionsToContingentLiabilities" abstract="false" name="AdditionsToContingentLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CalledFromContingentLiabilities" abstract="false" name="CalledFromContingentLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfLegalProceedingsTable" abstract="true" name="DisclosureOfLegalProceedingsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_CertainConsumerCreditProductsMember" abstract="true" name="CertainConsumerCreditProductsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ConclusionOfLitigationMember" abstract="true" name="ConclusionOfLitigationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfLegalProceedingsLineItems" abstract="true" name="DisclosureOfLegalProceedingsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_DamagesClaimedInLitigationCase" abstract="false" name="DamagesClaimedInLitigationCase" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LawsuitFinalisedInFavorOfING" abstract="false" name="LawsuitFinalisedInFavorOfING" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ing_NumberOfClassActionsFiled" abstract="false" name="NumberOfClassActionsFiled" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ing_NumberOfClassActionsAgreementReached" abstract="false" name="NumberOfClassActionsAgreementReached" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ing_AdditionalProvisionsLegalProvisions" abstract="false" name="AdditionalProvisionsLegalProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfSignificantInvestmentsInPrincipalSubsidiariesAssociatesAndJointVenturesTable" abstract="true" name="DisclosureOfSignificantInvestmentsInPrincipalSubsidiariesAssociatesAndJointVenturesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_INGBelgiumSANVMember" abstract="true" name="INGBelgiumSANVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngLuxembourgSAMember" abstract="true" name="IngLuxembourgSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngDibaagMember" abstract="true" name="IngDibaagMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngBankSlaskiSAMember" abstract="true" name="IngBankSlaskiSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngFinancialHoldingsCorporationMember" abstract="true" name="IngFinancialHoldingsCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngBankASMember" abstract="true" name="IngBankASMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngBankAustraliaLimitedMember" abstract="true" name="IngBankAustraliaLimitedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngCommercialFinanceBvMember" abstract="true" name="IngCommercialFinanceBvMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfSignificantInvestmentsInPrincipalSubsidiariesAssociatesAndJointVenturesLineItems" abstract="true" name="DisclosureOfSignificantInvestmentsInPrincipalSubsidiariesAssociatesAndJointVenturesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_ThirdPartySecuritisationVehiclesMember" abstract="true" name="ThirdPartySecuritisationVehiclesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_MontBlancMember" abstract="true" name="MontBlancMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CreditNotesHeldByThirdPartiesMember" abstract="true" name="CreditNotesHeldByThirdPartiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CoveredBondProgrammesMember" abstract="true" name="CoveredBondProgrammesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DibaMortgagePfandbriefeMember" abstract="true" name="DibaMortgagePfandbriefeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_INGBelgiumResidentialPandbrievenProgrammeMember" abstract="true" name="INGBelgiumResidentialPandbrievenProgrammeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IBALCoveredBondMember" abstract="true" name="IBALCoveredBondMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_INGBankHipotecznyCBPMember" abstract="true" name="INGBankHipotecznyCBPMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FairValuePledgedMortgageLoans" abstract="false" name="FairValuePledgedMortgageLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_KeyManagementPersonnelFixedCompensationAbstract" abstract="true" name="KeyManagementPersonnelFixedCompensationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_KeyManagementPersonnelCompensationCollectiveFixedAllowances" abstract="false" name="KeyManagementPersonnelCompensationCollectiveFixedAllowances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_KeyManagementPersonnelVariableCompensationAbstract" abstract="true" name="KeyManagementPersonnelVariableCompensationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_KeyManagementPersonnelCompensationUpfrontCash" abstract="false" name="KeyManagementPersonnelCompensationUpfrontCash" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_KeyManagementPersonnelCompensationDeferredCash" abstract="false" name="KeyManagementPersonnelCompensationDeferredCash" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_KeyManagementPersonnelCompensationDeferredShares" abstract="false" name="KeyManagementPersonnelCompensationDeferredShares" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_KeyManagementPersonnelCompensationOtherVariableCompensation" abstract="false" name="KeyManagementPersonnelCompensationOtherVariableCompensation" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NumberOfSavingsAllowances" abstract="false" name="NumberOfSavingsAllowances" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ing_IndividualSavingsAllowancePercentage" abstract="false" name="IndividualSavingsAllowancePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_CollectiveSavingAllowancesForLossPensionBenefits" abstract="false" name="CollectiveSavingAllowancesForLossPensionBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SupervisoryBoardMember" abstract="true" name="SupervisoryBoardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_INGGroepNVMember" abstract="true" name="INGGroepNVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ManagementBoardOfINGBankNVMember" abstract="true" name="ManagementBoardOfINGBankNVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FixedExpensesAndVestingOfVariableRemunerationExpenses" abstract="false" name="FixedExpensesAndVestingOfVariableRemunerationExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AverageInterestRateOnOutstandingCommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" abstract="false" name="AverageInterestRateOnOutstandingCommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ing_InterestIncomeReceivedFromRelatedParties" abstract="false" name="InterestIncomeReceivedFromRelatedParties" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestPaidBonds" abstract="false" name="InterestPaidBonds" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfCapitalManagementTable" abstract="true" name="DisclosureOfCapitalManagementTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_FullyloadedMember" abstract="true" name="FullyloadedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfCapitalManagementLineItems" abstract="true" name="DisclosureOfCapitalManagementLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_ReservedProfitNotIncludedInCommonEquityTierOneCapital" abstract="false" name="ReservedProfitNotIncludedInCommonEquityTierOneCapital" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherAdjustmentsToRegulatoryCapital" abstract="false" name="OtherAdjustmentsToRegulatoryCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_RegulatoryAdjustments" abstract="false" name="RegulatoryAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CommonEquityTierOneCapitalAmount" abstract="false" name="CommonEquityTierOneCapitalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AdditionalTierOneCapital" abstract="false" name="AdditionalTierOneCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AdditionalTierOneRegulatoryAdjustments" abstract="false" name="AdditionalTierOneRegulatoryAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TierOneCapitalAmount" abstract="false" name="TierOneCapitalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SupplementaryCapitalTier2Bonds" abstract="false" name="SupplementaryCapitalTier2Bonds" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_RegulatoryAdjustmentsTier2" abstract="false" name="RegulatoryAdjustmentsTier2" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_Capital1" abstract="false" name="Capital1" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_RiskWeightedAssets1" abstract="false" name="RiskWeightedAssets1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CommonEquityTierOneCapitalRatio1" abstract="false" name="CommonEquityTierOneCapitalRatio1" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_TierOneCapitalRatio" abstract="false" name="TierOneCapitalRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_CapitalRatio" abstract="false" name="CapitalRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_DebtInstrument1Axis" abstract="true" name="DebtInstrument1Axis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_DebtInstrumentDomain" abstract="true" name="DebtInstrumentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_Pillar1RequirementMember" abstract="true" name="Pillar1RequirementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_Pillar2RequirementMember" abstract="true" name="Pillar2RequirementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CapitalConservationBufferMember" abstract="true" name="CapitalConservationBufferMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CountercyclicalBufferMember" abstract="true" name="CountercyclicalBufferMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SectoralSystemicRiskBufferSSyRBMember" abstract="true" name="SectoralSystemicRiskBufferSSyRBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OSiiMember" abstract="true" name="OSiiMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DividendPayOutRatio" abstract="false" name="DividendPayOutRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_CommonEquityAndFullyLoadedCommonEquityTierOneCapitalPercentage" abstract="false" name="CommonEquityAndFullyLoadedCommonEquityTierOneCapitalPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_TransitionalCommonEquityTierOneCapitalRequiredPercentage" abstract="false" name="TransitionalCommonEquityTierOneCapitalRequiredPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_MinimumTierOneCapitalRequirement" abstract="false" name="MinimumTierOneCapitalRequirement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_MinimumCapitalRatioRequired" abstract="false" name="MinimumCapitalRatioRequired" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_MdaTriggerCet1" abstract="false" name="MdaTriggerCet1" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_MdaTriggerTier1Capital" abstract="false" name="MdaTriggerTier1Capital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_MdaTriggerTotalCapital" abstract="false" name="MdaTriggerTotalCapital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_TotalPillarIiRequirementPercent" abstract="false" name="TotalPillarIiRequirementPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_MDARequirementOnLeverageRatio" abstract="false" name="MDARequirementOnLeverageRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_ValuationGainLoss" abstract="false" name="ValuationGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestAndOtherIncomeExpense" abstract="false" name="InterestAndOtherIncomeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ProceedsFromSaleOrIssuePurchaseOfTreasuryShares" abstract="false" name="ProceedsFromSaleOrIssuePurchaseOfTreasuryShares" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DebentureLoansMember" abstract="true" name="DebentureLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NumberOfDebenturesHeld" abstract="false" name="NumberOfDebenturesHeld" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
