Company: INGVF
Filing Date: 2025-04-24
Form Type: F-3ASR
Source: 0001193125-25-093692
Chunk: 69

Company: ING GROEP NV
Filing Date: 2025-04-24
Form: F-3ASR
Chunk 69
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 assets of any of our subsidiaries upon the subsidiary’s liquidation or otherwise, and thus the ability of our security holders to benefit from the distribution, is junior to the rights of creditors of the subsidiary, except to the extent that any claim we may have as a creditor of the subsidiary is recognized. In addition, dividends, loans and advances to us from some of our subsidiaries may be restricted by the net capital requirements of our various regulators. We also guarantee certain obligations of some of our subsidiaries; as a result, any liability we may have for our subsidiaries’ obligations could reduce our assets that are available to satisfy our direct creditors, including investors in our securities. The capital securities indenture does not limit the amount of capital securities that we may issue. We may issue the capital securities in one or more series, or as units comprised of two or more related series. The prospectus supplement will indicate for each series or of two or more related series of capital securities:

| • |     | the issue date; |

| • |     | the maturity date, if any; |

| • |     | the specific designation and aggregate principal amount of the capital securities; |

| • |     | any limit on the aggregate principal amount of the capital securities that may be authenticated or delivered; |

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| • |     | under what conditions, if any, another issuer may be substituted for ING Groep N.V. as the issuer of the capital 
 securities of the series;                                                                                        |

| • |     | whether the capital securities are intended to qualify as capital for capital adequacy purposes; |

| • |     | the ranking of the capital securities relative to our issued debt and equity, including to what extent they may 
 rank junior in right of payment to other of our obligations or in any other manner;                             |

| • |     | the prices at which we will issue the capital securities; |

| • |     | if interest is payable, the interest rate or rates, or how to calculate the interest rate or rates, and under 
 what circumstances interest is payable;                                                                       |

| • |     | provisions, if any, for the cancellation of any interest payment at our discretion or under other circumstances; |

| • |     | limitations, if any, on our ability to pay principal or interest in respect of the capital securities, including 
 situations whereby we may be prohibited from making such payments;                                               |

| • |     | whether we will issue the capital securities as discount securities, as explained in this section below, and the