Company: INGVF
Filing Date: 2025-03-20
Form Type: 424B5
Source: 0001193125-25-058308
Chunk: 14

Company: ING GROEP NV
Filing Date: 2025-03-20
Form: 424B5
Chunk 14
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 the relevant Floating Rate Interest Payment Date (other than the applicable Maturity Date or any date of redemption or repayment) shall be 
 brought forward to the immediately preceding day that is a Business Day.                                                                                                                                                                                |
|:-----------------------------------------|:----|:--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Floating Rate Interest Reset Dates       |     | The initial Floating Interest Rate will be in effect (i) with respect to each series of the fixed-to-floating rate notes from (and including)                                                                                                           
 the applicable Call Date to (but excluding) the first applicable Floating Rate Interest Reset Date (as defined below) and (ii) with respect to the floating rate notes, from (and including) the Issue Date to (but excluding) the first applicable     
 Floating Rate Interest Reset Date. Thereafter, the Floating Interest Rate will reset (i) on June 25, 2028, September 25, 2028 and December 25, 2028, with respect to the 2029 notes, (ii) on June 25, 2030,                                             
 September 25, 2030 and December 25, 2030, with respect to the 2031 notes, (iii) on June 25, 2035, September 25, 2035 and December 25, 2035, with respect to the 2036 notes and (iv) on March 25, June 25,                                               
 September 25 and December 25 in each year, commencing on June 25, 2025 and ending on (and including) December 25, 2028, with respect to the floating                                                                                                    |

S-8

|                                            |     | rate notes (each a “Floating Rate Interest Reset Date”); provided that if any Floating Rate Interest Reset Date would fall on a day that is not a Business Day, such Floating Rate Interest Reset Date will be                                        
 postponed to the next succeeding Business Day. If the next succeeding Business Day falls in the next calendar month, however, then the relevant Floating Rate Interest Reset Date shall be brought forward to the immediately preceding day that is a 
 Business Day.                                                                                                                                                                                                                                         |
| Floating Rate Interest Determination Dates |     | The second U.S. Government Securities Business Day (as defined                                                                                                                                                                                        
 below) preceding the applicable Floating Rate Interest Payment Date (each a “Floating Rate Interest Determination Date”). “U.S. Government Securities Business Day” means any day except for a Saturday, Sunday or a                                  
 day on which the Securities