Company: INGVF
Filing Date: 2025-03-20
Form Type: 424B5
Source: 0001193125-25-058308
Chunk: 29

Company: ING GROEP NV
Filing Date: 2025-03-20
Form: 424B5
Chunk 29
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 25, 2030, September 25, 2030, December 25, 2030 and the
applicable Maturity Date, (iii) interest on the 2036 notes will be payable quarterly in arrear on June 25, 2035, September 25, 2035, December 25, 2035 and the applicable Maturity Date and (iv) interest on the floating rate
notes will be payable quarterly in arrear on March 25, June 25, September 25 and December 25 in each year, commencing on June 25, 2025, and ending on (and including) the applicable Maturity Date (each a “Floating Rate Interest Payment Date” and, together with each Fixed Rate Interest Payment Date, an “Interest Payment Date”); provided that if any Floating Rate Interest Payment Date (other than the applicable Maturity Date or any
date of redemption or repayment) would fall on a day that is not a Business Day (as defined below), such Floating Rate Interest Payment Date will be postponed to the next succeeding Business Day. If the next succeeding Business Day falls in the next
calendar month, however, then the relevant Floating Rate Interest Payment Date (other than the applicable Maturity Date or any date of redemption or repayment) shall be brought forward to the immediately preceding day that is a Business Day.

The regular record dates for the notes will be the Business Day immediately preceding each Interest Payment Date for each series (or, if the
notes are held in definitive form, the 15th Business Day preceding each Interest Payment Date).

If the Maturity Date or date of
redemption or repayment is not a Business Day, the Issuer will pay interest and principal and/or any amount payable upon redemption of the notes on the next succeeding Business Day, but interest on such payment will not accrue during the period from
and after such original Maturity Date or date of redemption or repayment.

During the applicable Fixed Rate Period, interest on each
series of the fixed-to-floating rate notes will be computed on the basis of a 360-day year of twelve 30-day months.

During the applicable Floating Rate Period, interest on each series of the notes will be
computed on the basis of the actual number of days in each Interest Period and a 360-day year.

“Business Day” means any weekday, other than one on which banking institutions are authorized or obligated by law or
executive order to close in London, England, Amsterdam, The Netherlands or