Company: INGVF
Filing Date: 2025-03-20
Form Type: 424B5
Source: 0001193125-25-058308
Chunk: 8

Company: ING GROEP NV
Filing Date: 2025-03-20
Form: 424B5
Chunk 8
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 DISTRIBUTION                                         |     | 124 |
| VALIDITY OF THE SECURITIES                                   |     | 127 |
| EXPERTS                                                      |     | 127 |
| ENFORCEMENT OF CIVIL LIABILITIES                             |     | 128 |
| EXPENSES OF ISSUANCE AND DISTRIBUTION                        |     | 129 |

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FORWARD-LOOKING STATEMENTS This prospectus supplement and certain documents incorporated by reference herein may contain “forward-looking statements.” These statements are forward looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the “ Securities Act”), and Section 21E of the Securities Exchange Act of 1934, as amended (the “ Exchange Act”). These forward-looking statements can be identified by the fact that they do not relate only to historical or current facts. In particular, forward-looking statements include all statements that express forecasts, expectations, plans, outlook and projections with respect to future matters, including trends in results of operations, margins, growth rates, overall market trends, the impact of changes in interest or exchange rates, the availability or cost of financing to ING Groep N.V. and its consolidated subsidiaries (“ ING”), anticipated cost savings or synergies, expected investments, the completion of ING’s restructuring programs, climate change targets, developments in relation to capital, anticipated tax rates, expected cash payments, outcomes of litigation and general economic conditions. These forward-looking statements are based on management’s current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those expressed or implied in such statements due to a number of factors, including, without limitation:

| · |     | changes in general economic conditions and customer behavior, in particular economic conditions in ING’s core markets, including changes affecting      
 currency exchange rates and the regional and global economic impact of the invasion of Russia into Ukraine and related international response measures; |

| · |     | changes affecting interest rate levels; |

| · |     | any default of a major market participant and related market disruption; |

| · |     | changes in performance of financial markets, including in Europe and developing markets; |

| · |     | fiscal uncertainty in Europe and the United States; |

| · |     | discontinuation of or changes in ‘benchmark’ indices; |

| · |     | inflation and deflation in our principal