Company: INGVF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-196042
Chunk: 183

Company: ING GROEP NV
Filing Date: 2025-09-04
Form: 424B5
Chunk 183
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 various factors, including which court renders the judgment.

Information about Exchange Rates May Not Be Indicative of Future Performance

If we issue a debt security or capital security denominated in a specified currency other than U.S. dollars, we may include in your prospectus
supplement a currency supplement that provides information about historical

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exchange rates for the specified currency. Any information about exchange rates that we may provide will be furnished as a matter of information only, and you should not regard the information as
indicative of the range of, or trends in, fluctuations in currency exchange rates that may occur in the future. The exchange rate specified in your prospectus supplement will likely differ from the exchange rate used under the terms that apply to a
particular debt security or capital security.

Determinations Made by the Exchange Rate Agent

All determinations made by the exchange rate agent will be made in its sole discretion (except to the extent expressly provided in this
prospectus or in your prospectus supplement that any determination is subject to approval by ING Groep N.V.). In the absence of manifest error, its determinations will be conclusive for all purposes and will bind all holders and us. The exchange
rate agent will not have any liability for its determinations.

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CAPITALIZATION AND INDEBTEDNESS The following table shows the actual capitalization and indebtedness of the Group as of December 31, 2024. The information in the following table is derived from the audited consolidated financial statements of the Group as of December 31, 2024, which are incorporated by reference into this registration statement. This table should be read together with such audited consolidated financial statements and the notes thereto in the 2024 Form 20-F.The accounting principles used to prepare this information comply with IFRS as issued by the International Accounting Standards Board.

|                                                                          |                | As of             
 December 31, 2024 |         |   |
|:-------------------------------------------------------------------------|:---------------|:------------------|--------:|:--|
|                                                                          | -in € millions |                   |         |   |
| Capitalization                                                           |                |                   |         |   |
| Share capital(1)                                                         |                |                   |      31 |   |
| Share premium                                                            |                |                   |  17,116 |   |
| Other reserves                                                           |                |                   |    (687 | ) |
| Retained earnings                                                        |                |                   |  36,243 |