Company: INGVF
Filing Date: 2025-03-18
Form Type: 424B5
Source: 0001193125-25-056511
Chunk: 80

Company: ING GROEP NV
Filing Date: 2025-03-18
Form: 424B5
Chunk 80
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 1000 BV Amsterdam, The Netherlands, telephone: +31-20-576-6396. -4-

We have not authorized any other person to give any information not contained in or
incorporated by reference into this prospectus or the relevant prospectus supplement or in any free writing prospectus prepared by or on behalf of us or to which we refer you. We take no responsibility for, and can provide no assurance as to the
reliability of, any other information that others may give you. This prospectus and the relevant prospectus supplement and any free writing prospectus prepared by or on behalf of us or to which we refer you constitute an offer to sell the
securities, but only under circumstances and in jurisdictions where it is lawful to do so. The information contained or incorporated by reference into this prospectus and the relevant prospectus supplement and in any free writing prospectus prepared
by or on behalf of us or to which we refer you is current only as of the respective dates of such documents. Our business, financial condition, results of operations and prospects may have changed since those dates.

-5-

CAUTIONARY STATEMENT CONCERNING FORWARD-LOOKING STATEMENTS Certain of the statements contained in this prospectus, the related prospectus supplements and certain documents incorporated by reference herein or therein are “forward-looking statements” and are not historical facts, including, without limitation, certain statements made of future expectations and other forward-looking statements that are based on management’s current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those expressed or implied in such statements due to a number of factors, including, without limitation:

| · |     | changes in general economic conditions and customer behaviour, in particular economic conditions in our core markets, including changes affecting currency                              
 exchange rates, any additional supply chain disruptions and the regional and global economic impact of the invasion of Russia into Ukraine and related international response measures; |

| · |     | the effects of the COVID-19 pandemic and related response measures, including lockdowns and travel restrictions, on                      
 economic conditions in countries in which we operate, on our business and operations and on our employees, customers and counterparties; |

| · |     | changes affecting interest rate levels; |

| · |     | any default of a major market participant and related market disruption; |

| · |     | changes in performance of