Company: INGVF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-196042
Chunk: 165

Company: ING GROEP NV
Filing Date: 2025-09-04
Form: 424B5
Chunk 165
---
 PLAN INVESTOR CONSIDERATIONS                         |     | 118 |
| PLAN OF DISTRIBUTION                                         |     | 120 |
| VALIDITY OF THE SECURITIES                                   |     | 123 |
| EXPERTS                                                      |     | 123 |
| ENFORCEMENT OF CIVIL LIABILITIES                             |     | 124 |
| EXPENSES                                                     |     | 125 |

PROSPECTUS SUMMARY This summary highlights information contained elsewhere in this prospectus or incorporated by reference into this prospectus as further described below under “Available Information.” This summary does not contain all the information that you should consider before investing in the securities being offered by this prospectus. You should carefully read the entire prospectus, the documents incorporated by reference into this prospectus and the prospectus supplement relating to the securities that you propose to buy, especially any description of investment risks that we may include in the prospectus supplement. ING Groep N.V. ING Groep N.V. is a holding company, which was incorporated in 1991 under the laws of The Netherlands, with its corporate seat and headquarters in Amsterdam, The Netherlands. ING Group currently serves around 40 million customers in over 38 countries, offering banking services to meet a broad customer base. ING Groep N.V. is a listed company and holds all shares of ING Bank N.V., which is not separately listed. ING Groep N.V.’s headquarters are located at Bijlmerdreef 106, 1102 CT Amsterdam, P.O. Box 1800, 1000 BV Amsterdam, The Netherlands. For further information about ING Groep N.V. and its subsidiaries, please refer to the section entitled “Available Information.” The Securities We Are Offering We may offer any of the following securities from time to time:

| • |     | debt securities; |

| • |     | capital securities; |

| • |     | ordinary shares; and |

| • |     | American depositary shares, or ADSs, representing our ordinary shares. |

When we use the term “securities” in this prospectus, we mean any of the securities we may offer pursuant to this prospectus and a prospectus supplement, unless we say otherwise. This prospectus, including the following summary, describes the general terms that may apply to the securities. The specific terms of any particular securities that we may offer will be described in a separate supplement to this prospectus. Notwithstanding any other agreements, arrangements or understand