Company: INGVF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-196042
Chunk: 163

Company: ING GROEP NV
Filing Date: 2025-09-04
Form: 424B5
Chunk 163
---
 Share Day                     |     |            98 |
| Spin-Off                                |     |           100 |
| Spin-Off Securities                     |     |           200 |
| SRMR                                    |     |         ii, 2 |
| SRM Regulation                          |     |         ii, 2 |
| Statutory Loss Absorption               |     |            54 |
| Subsidiary                              |     |           100 |
| Successor Rate                          |     |            65 |
| Suspension Date                         |     |            81 |
| Tax Event                               |     |        19, 73 |
| Tax Law Change                          |     |            74 |
| Tradable Amount                         |     |            59 |
| Transaction Parties                     |     |           115 |
| Treaty                                  |     |           106 |
| Trigger Event                           |     |  i, 3, 21, 77 |
| Trust Indenture Act                     |     |          i, 3 |
| trustee                                 |     |             3 |
| UAE                                     |     |           125 |
| United States-owned foreign corporation |     |           107 |
| U.S. dollars                            |     |            11 |
| UK                                      |     |            ii |
| UK MiFIR                                |     |             5 |
| UK MiFIR Product Governance Rules       |     |             7 |
| UK PRIIPs Regulation                    |     |             5 |
| Unsubordinated Instruments              |     |            69 |
| Volume Weighted Average Price           |     |           101 |

S-124

Filed Pursuant to Rule 424(b)(2)
Registration No. 333-286734

PROSPECTUS

ING GROEP N.V.

(Amsterdam, The Netherlands)

Debt Securities

Capital Securities

Ordinary Shares

American Depositary Shares

ING Groep N.V. from time to time may offer to sell debt securities, capital securities, ordinary shares and American depositary shares, or
“ADSs,” representing our ordinary shares. ADSs, representing our ordinary shares, are listed on the New York Stock Exchange under the symbol “ING.”

When we offer securities, we will provide you with a prospectus supplement describing the terms of the specific issues of securities including
their offering price and the specific manner in which they may be offered. You should read this prospectus and the accompanying supplement carefully before you invest. We may offer and sell the securities directly