Company: INGVF
Filing Date: 2025-03-18
Form Type: 424B5
Source: 0001193125-25-056511
Chunk: 82

Company: ING GROEP NV
Filing Date: 2025-03-18
Form: 424B5
Chunk 82
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 | risks and challenges related to cybercrime including the effects of cyber-attacks and changes in legislation and regulation related to cybersecurity and data 
 privacy;                                                                                                                                                      |

| · |     | changes in general competitive factors, including ability to increase or maintain market share; |

| · |     | inability to protect our intellectual property and infringement claims by third parties; |

| · |     | inability of counterparties to meet financial obligations or ability to enforce rights against such counterparties; |

| · |     | changes in credit ratings; |

| · |     | business, operational, regulatory, reputation, transition and other risks and challenges in connection with climate change and 
 ESG-related matters;                                                                                                           |

| · |     | inability to attract and retain key personnel; |

| · |     | future liabilities under defined benefit retirement plans; |

| · |     | failure to manage business risks, including in connection with use of models, use of derivatives, or maintaining appropriate policies and guidelines; |

| · |     | changes in capital and credit markets, including interbank funding, as well as customer deposits, which provide the liquidity and capital required to fund our 
 operations; and                                                                                                                                                |

| · |     | other risks and uncertainties identified in our filings with the SEC, including the 2021 Form 20-F, which is available                       
 on the SEC’s website at http://www.sec.gov, and ING’s more recent disclosures, including press releases, which are available on www.ing.com. |

Any forward looking statements made by or on behalf of ING speak only as of the date they are made, and ING assumes no obligation or undertaking to publicly update or revise any forward-looking statements, whether as a result of new information or future events or for any other reason. You should, however, consult any additional disclosures that ING may make in any documents which it publishes and/or files with the SEC. This prospectus, the related prospectus supplements and certain documents incorporated by reference herein or therein may contain inactive textual addresses to internet websites operated by us and third parties. -7-

Reference to such websites is made for information purposes only, and information found at such websites is not incorporated by reference into this registration statement. ING does not make any
representation or warranty with respect to the accuracy or completeness of, or take any responsibility for, any information found at any websites operated by third parties. ING specifically disclaims any liability with respect to any information
found at websites operated by third parties. ING cannot guarantee