Company: INGVF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-196042
Chunk: 0

Company: ING GROEP NV
Filing Date: 2025-09-04
Form: 424B5
Chunk 0
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Filed Pursuant to Rule 424(b)(5)
Registration No. 333-286734 Prospectus Supplement to Prospectus dated April 24, 2025 ING Groep N.V. $1,500,000,000 7.000% Perpetual Additional Tier 1 Contingent Convertible Capital Securities ING Groep N.V. (the “ Issuer”) is offering hereby $ 1,500,000,000 aggregate principal amount of 7.000% Perpetual Additional Tier 1 Contingent Convertible Capital Securities (the “ Securities”). The initial interest rate on the Securities will be 7.000% per annum. The interest rate on the Securities will reset on November 16, 2032 (the “ First Reset Date”) and on each five year anniversary thereafter (together with the First Reset Date, the “ Reset Dates”) at the sum of the applicable Reset Reference Rate (as defined herein) on the relevant Reset Determination Date (as defined herein) and 3.594%. The Securities are expected to qualify as Additional Tier 1 Capital under the Capital Regulations as in force on the Issue Date. Subject to the more detailed description of the Securities in this prospectus supplement and the accompanying prospectus, the Securities:

| • |     | are perpetual securities with no fixed maturity or redemption date; |

| • |     | are not redeemable at the option or election of holders; |

| • |     | may be redeemed at the Issuer’s option, in whole but not in part, on the First Reset Date and on any 
 Interest Payment Date (as defined herein) thereafter;                                                |

| • |     | may be redeemed at the Issuer’s option, in whole but not in part, at any time if at least 75% of the                         
 aggregate principal amount of the Securities has been redeemed or purchased and cancelled, subject to redemption conditions; |

| • |     | may be subject to substitution or variation upon the occurrence of a Regulatory Event, Tax Event or an Alignment 
 Event (as defined herein);                                                                                       |

| • |     | may be redeemed at the Issuer’s option, in whole but not in part, at any time in the event of certain 
 regulatory or tax events;                                                                             |

| • |     | provide that payments of interest shall be due and payable at the sole and absolute discretion of the Issuer and, 
 in certain circumstances, shall not be paid, and any such interest not paid shall be cancelled;