Contents
Part III
Financial Statements
ING Group Annual Report 2020 on Form 20-F
1
Exhibit 12.2
CERTIFICATION
I, Tanate
Phutrakul, certify that:
1.
I have reviewed this Annual Report on Form 20-F of ING Groep N.V.;
2.
Based on my knowledge, this report does not contain any untrue statement
of a material fact or omit to
state a material fact necessary to make
the statements made, in light of the circumstances under which
such statements were made, not misleading with respect to the period covered
by this report;
3.
Based on my knowledge, the financial statements, and other financial information
included in this
report, fairly present in all material respects the financial condition, results of operations
and cash flows
of the company as of, and for,
the periods presented in this report;
4.
The company’s other certifying officer(s) and I are responsible for establishing and maintaining
disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and
internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for
the company and have:
(a)
Designed such disclosure controls and procedures, or caused such disclosure controls
and procedures to
be designed under our supervision, to ensure that material information relating to the company,
including its consolidated subsidiaries, is made known to us by others within those entities, particularly
during the period in which this report is being prepared;
(b)
Designed such internal control over financial reporting, or caused such internal control
over financial
reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability
of financial reporting and the preparation of financial statements
for external purposes in accordance
with generally accepted accounting principles;
(c)
Evaluated the effectiveness
of the company’s disclosure controls and procedures
and presented in this
report our conclusions about the effectiveness of the disclosure controls
and procedures, as of the end
of the period covered by this report based on such evaluation;
(d)
Disclosed in this report any change in the company’s internal
control over financial reporting that
occurred during the period covered by the annual report that has materially affected,
or is reasonably
likely to materially affect,
the company’s internal control
over financial reporting; and
5.
The company’s other certifying officer(s) and I have disclosed, based on our most recent evaluation
of
internal control over financial reporting, to the company’s
auditors and the audit committee of the
company’s board of directors
(or persons performing the equivalent functions):
(a)
All significant deficiencies and material weaknesses in the design or operation of internal control
over
financial reporting which are reasonably likely to adversely affect
the company’s ability to record,
process, summarize and report financial information; and
(b)
Any fraud, whether or not material, that involves
management or other employees who have a
significant role in the company’s internal
control over financial reporting.
Chief Financial Officer