Company: INGVF
Filing Date: 2025-04-24
Form Type: F-3ASR
Source: 0001193125-25-093692
Chunk: 42

Company: ING GROEP NV
Filing Date: 2025-04-24
Form: F-3ASR
Chunk 42
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 are original issue discount securities, such amount as determined pursuant to the formula set forth in the applicable prospectus supplement) plus any additional amounts due as a result of any withheld tax, if:

| • |     | we would be required to pay additional amounts, as explained below under “—Payment of Additional                                                                                                                                                        
 Amounts with Respect to the Debt Securities,” as a result of a change in or amendment to, the laws or regulations of The Netherlands or any political subdivision or authority therein or thereof having the power to tax, including any treaty to      
 which The Netherlands is a party, or any change in the application of official or generally published interpretation of such laws or regulations, including a decision of any court or tribunal, or any interpretation or pronouncement by any relevant 
 tax authority, which change or amendment (including, for the avoidance of doubt, a decision of any court or tribunal) becomes, or would become, effective on or after the date of issuance of that series;                                              |

| • |     | a person located outside The Netherlands, or a jurisdiction in which a successor of ING Groep N.V. is organized,                                                                                                                                
 to which we have conveyed, transferred or leased property, would be required to pay additional amounts. We are not required, however, to use reasonable measures to avoid the obligation to pay additional amounts in the event of such merger, 
 conveyance, transfer or lease;                                                                                                                                                                                                                  |

| • |     | in the case of senior debt securities only, as a result of any amendment to, or change in, any Loss Absorption                                                                                                                                            
 Regulation (as defined below), or any change in the application or official interpretation of any Loss Absorption Regulation, in any such case becoming effective on or after the original issue date of the series of debt securities affected, the debt 
 securities are or (in our opinion or that of the competent authority and/or resolution authority, as appropriate) are likely to be fully or (if so specified in the applicable prospectus supplement) partially excluded from our and/or the Regulatory   
 Group’s (as defined below) minimum requirements for (A) own funds and eligible liabilities and/or (B) loss absorbing capacity instruments, in each case as such minimum requirements are applicable to us and/or the Regulatory Group and                 
 determined in accordance with, and pursuant to, the relevant Loss Absorption Regulations; unless the exclusion of the relevant series of debt securities from the relevant minimum requirement(s) is due to the remaining maturity of the debt securities 
 being less than any period prescribed by any applicable eligibility criteria