Company: INGVF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-196042
Chunk: 232

Company: ING GROEP NV
Filing Date: 2025-09-04
Form: 424B5
Chunk 232
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ure; |

| • |     | any restrictions applicable to the offer, sale and delivery of the capital securities; |

| • |     | whether we will not pay additional amounts, as defined below, on the capital securities; |

| • |     | the record date for any payment of principal, interest or premium; |

| • |     | any listing of the capital securities on a securities exchange; |

| • |     | whether holders of the capital securities may exercise, claim or plead any right of set-off, netting, compensation or retention in respect of any amount owed to it by us arising under, or in connection with, the securities; |

| • |     | the names and duties of any co-trustees, depositaries, authenticating 
 agents, paying agents, transfer agents or registrars of any series;   |

| • |     | any other or different terms of the capital securities; |

| • |     | the respective rights and obligations, if any, of ourselves and holders of the capital securities following a                                                     
 change of control, including, if applicable, the terms and conditions under which we could be required to redeem or make an offer to purchase capital securities; |

| • |     | any applicable additional provision or provisions related to the Dutch                                                                
 Bail-in Power (as defined below) in connection with applicable regulatory capital, loss absorbing capacity or other requirements; and |

| • |     | what we believe are any additional material U.S. federal and Dutch tax considerations. |

The prospectus supplement relating to any series of capital securities may also include, if applicable, a discussion of certain considerations under ERISA. Capital securities may bear interest at a fixed rate or a floating rate or we may issue capital securities that bear no interest or that bear interest at a rate below the prevailing market interest rate or at a discount to their stated principal amount. The relevant prospectus supplement will describe special U.S. federal income tax considerations applicable to discount securities or to capital securities issued at par that are treated for U.S. federal income tax purposes as having been issued at a discount. While this prospectus describes terms that apply generally to all the capital securities, the prospectus supplement applicable to your capital securities will summarize specific financial and other terms of your capital securities. Consequently, as you read this section, please remember that the specific terms of your capital securities as described in your prospectus supplement will supplement and, if applicable, may modify or replace the general terms described in this section. If there are any differences between