Company: INGVF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-196042
Chunk: 64

Company: ING GROEP NV
Filing Date: 2025-09-04
Form: 424B5
Chunk 64
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 to enforce judgments against the Issuer or the members of the Issuer’s Supervisory and Executive Boards or officers.

Most of the Issuer’s Supervisory Board members, the Issuer’s Executive Board members and some of the
experts named in the accompanying prospectus, as well as many of the Issuer’s officers are persons who are not residents of the United States, and most of the Issuer’s assets and their assets are located outside the United States. As a
result, you may not be able to serve process on those persons within the United States or to enforce in the United States judgments obtained in U.S. courts against the Issuer or those persons based on the civil liability provisions of the U.S.
securities laws.

You also may not be able to enforce judgments of U.S. courts under the U.S. federal securities laws in courts outside
the United States, including The Netherlands. The United States and The Netherlands do not currently have a treaty providing for the reciprocal recognition and enforcement of judgments (other than arbitration awards) in civil and commercial matters.
Therefore, you will not be able to enforce in The Netherlands a final judgment for the payment of money rendered by any U.S. federal or state court based on civil liability, even if the judgment is not based only on the U.S. federal securities laws,
unless a competent court in The Netherlands gives binding effect to the judgment.

S-51

CAPITALIZATION AND INDEBTEDNESS The following table shows the actual capitalization and indebtedness of the Group as of June 30, 2025, and the capitalization and indebtedness of the Group as of June 30, 2025 as adjusted for the issuance of the Securities. The information in the following table is derived from the unaudited condensed consolidated financial statements of the Group as of June 30, 2025, which are incorporated by reference into this prospectus supplement. This table should be read together with such unaudited condensed consolidated financial statements and the notes thereto in our Current Report on Form 6-Kfiled with the SEC on July 31, 2025 (Film No. 251169177). The accounting principles used to prepare this information comply with IFRS as issued by the International Accounting Standards Board.

|                                                                             |     | As of June 30, 2025 |         |   |     | As Adjusted    |         |   |
|:----------------------------------------------------------------------------|:----|:--------------------|--------:|:--|:----|: