Company: INGVF
Filing Date: 2025-03-20
Form Type: 424B5
Source: 0001193125-25-058308
Chunk: 203

Company: ING GROEP NV
Filing Date: 2025-03-20
Form: 424B5
Chunk 203
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 advised us as follows:

| · |     | Euroclear is incorporated under the laws of Belgium as a bank and is subject to regulation by the Belgian Financial Services and Markets Authority 
 (L’Autorité des Services et Marchés Financiers) and the National Bank of Belgium (Banque Nationale de Belgique).                                   |

| · |     | Euroclear holds securities for its customers and facilitates the clearance and settlement of securities transactions among them. It does so through 
 simultaneous electronic book-entry delivery against payment, thereby eliminating the need for physical movement of certificates.                    |

| · |     | Euroclear provides other services to its customers, including credit, custody, lending and borrowing of securities and 
 tri-party collateral management. It interfaces with the domestic markets of several countries.                         |

| · |     | Euroclear customers include banks, including central banks, securities brokers and dealers, trust companies and clearing corporations and may include certain 
 other professional financial intermediaries.                                                                                                                  |

| · |     | Indirect access to the Euroclear system is also available to others that clear through Euroclear customers or that have custodial relationships with Euroclear 
 customers.                                                                                                                                                     |

| · |     | All securities in Euroclear are held on a fungible basis. This means that specific certificates are not matched to specific securities clearance accounts. |

Other Clearing Systems We may choose any other clearing system for a particular series of securities. The clearance and settlement procedures for the clearing system we choose will be described in the applicable prospectus supplement. Primary Distribution The distribution of the securities will be cleared through one or more of the clearing systems that we have described above or any other clearing system that is specified in the applicable prospectus supplement. Payment for securities will be made on a delivery versus payment or free delivery basis. These payment procedures will be more fully described in the applicable prospectus supplement. Clearance and settlement procedures may vary from one series of securities to another according to the currency that is chosen for the specific series of securities. Customary clearance and settlement procedures are described below. -94-

We will submit applications to the relevant system or systems for the securities to be
accepted for clearance. The clearance numbers that are applicable to each clearance system will be specified in the prospectus supplement.

Clearance and Settlement Procedures — DTC

DTC participants that hold securities through DTC on behalf of investors will follow the settlement practices applicable to United States
corporate debt obligations in DTC’s Same-Day Funds Settlement System, or such other procedures as are applicable for other