Company: INGVF
Filing Date: 2025-03-18
Form Type: 424B5
Source: 0001193125-25-056511
Chunk: 252

Company: ING GROEP NV
Filing Date: 2025-03-18
Form: 424B5
Chunk 252
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, the terms “this offering” means the initial offering of the securities made in connection with their original
issuance. This term does not refer to any subsequent resales of securities in market-making transactions.

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VALIDITY OF THE SECURITIES

If stated in the prospectus supplement applicable to a specific issuance of debt securities, capital securities, ADSs or ordinary shares,
Sullivan & Cromwell LLP, New York, New York, our U.S. counsel, and Davis Polk & Wardwell London LLP, U.S. counsel for any underwriters will pass on certain matters relating to the validity of the securities under U.S. law.
Linklaters LLP, Amsterdam, The Netherlands, or such other Dutch counsel as may be identified in the relevant prospectus supplement, will pass on certain matters relating to the validity of the securities under Dutch law.

PricewaterhouseCoopers Belastingadviseurs N.V., Amsterdam, The Netherlands, will pass on certain Dutch tax matters for us.

Sullivan & Cromwell LLP and Davis Polk & Wardwell London LLP may rely upon Dutch counsel with respect to all matters of
Dutch law.

EXPERTS

The consolidated financial statements of ING Groep N.V. as of December 31, 2021 and 2020 and for each of the years in the three-year
period ended December 31, 2021 appearing in ING Groep N.V.’s Annual Report on Form 20-F for the year ended December 31, 2021, and management’s assessment of the effectiveness of internal
control over financial reporting as of December 31, 2021 have been incorporated by reference herein and in the registration statement in reliance upon the reports of KPMG Accountants N.V., independent registered public accounting firm,
incorporated by reference herein, and upon the authority of said firm as experts in accounting and auditing.

The audit report covering
the December 31, 2021 consolidated financial statements refers to changes in accounting principles due to the adoption of ‘Interest Rate Benchmark Reform – Phase 2 – amendments to IFRS 9, IAS 39, IFRS7, IFRS 4 and IFRS 16’.

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ENFORCEMENT OF CIVIL LIABILITIES

ING Groep N.V. is a limited liability company incorporated under Netherlands law. Most of its Supervisory Board members, its Executive Board
members and some of the experts named in this document, currently reside outside the