Company: INGVF
Filing Date: 2025-06-25
Form Type: 11-K
Source: 0001193125-25-146837
Chunk: 0

Company: ING GROEP NV
Filing Date: 2025-06-25
Form: 11-K
Chunk 0
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 11-K

| ☒ | ANNUAL REPORT PERSUANT TO SECTION 15(d) OF THE SECURITIES AND EXCHANGE ACT OF 1934. |

For the Fiscal Year ended December 31, 2024 OR

| ☐ | TRANSITION REPORT PERSUANT TO SECTION 15(d) OF THE SECURITIES AND EXCHANGE ACT OF 1934. |

For the period fromto . Commission file number 1-14642

| A. | Full title of the plan and the address of the plan, if different from that of the issuer named below: |

ING Financial Services LLC 401(k) Savings Plan

| B. | Name of issuer of the securities held pursuant to the plan and the address or its principal executive office: |

ING Groep N.V. Amstelveenseweg 500 1081 KL Amsterdam The Netherlands Or P.O. Box 810 1000 AV Amsterdam The Netherlands Signed by Brennan Cumming, Director, Human Resources

ING FINANCIAL SERVICES LLC

401(k) SAVINGS PLAN

Financial Statements

As of
December 31, 2024 and 2023

And for the Year Ended December 31, 2024

Supplemental Schedule

As of
December 31, 2024

ING FINANCIAL SERVICES LLC 401(k) SAVINGS PLAN December 31, 2024 and 2023 Table of Contents

|                                                                                            |     | Page |        |
| Reports of Independent Registered Public Accounting Firm                                   |     |      |    1-3 |
| Financial Statements:                                                                      |     |      |        |
| Statements of Net Assets Available for Benefits As of December                             
 31, 2024 and 2023                                                                          |     |      |      4 |
| Statement of Changes in Net Assets Available for Benefits for the Year Ended December 31,  
 2024                                                                                       |     |      |      5 |
| Notes to Financial Statements                                                              |     |      |  6 -10 |
| Supplemental Schedule:                                                                     |     |      |        |
| Schedule H, Part IV, Line 4i - Schedule of Assets (Held at End of Year) as of December 31, 
 2024                                                                                       |     |      | 11 -12 |

Report of Independent Registered Public Accounting Firm

Retirement Plans Committee and Participants

ING