Company: INGVF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-196042
Chunk: 101

Company: ING GROEP NV
Filing Date: 2025-09-04
Form: 424B5
Chunk 101
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TC. The Conversion Notice shall request that holders deliver a completed Conversion Shares Settlement Notice to the Conversion Shares Depository (or to the relevant recipient), with a copy to the trustee. A “ Conversion Shares Settlement Notice” is a written notice to be delivered by the holder to the Conversion Shares Depository and specifying the following information:

| • |     | the name and address of the holder; |

| • |     | the Tradable Amount of the book-entry interests in the Securities held by such holder on the date of such notice; |

| • |     | the name to be entered in the Issuer’s share register (if the Conversion Shares are to be delivered in 
 registered form);                                                                                      |

| • |     | whether Conversion Shares are to be delivered to the holder or whether Conversion Shares are to be deposited on 
 behalf of the holder into the Issuer’s ADS facility against delivery of ADSs;                                   |

| • |     | the details of the Euroclear Netherlands or other clearing system account (or, if the Conversion Shares are not a                                                                                                                               
 participating security in Euroclear Netherlands or another clearing system, the address to which the Conversion Shares should be delivered), or if Conversion Shares are to be deposited on behalf of the holder into the Issuer’s ADS facility 
 against delivery of ADSs, details of the registered account of the holder in the Issuer’s ADS facility; and                                                                                                                                     |

| • |     | such other details as may be required by the Conversion Shares Depository (including a representation that the                                      
 relevant holder of the Securities is entitled to take delivery of the Conversion Shares and has obtained any consents necessary in order to do so). |

S-77

If the Securities are held in definitive form, no Conversion Shares Settlement Notice shall
be valid unless accompanied by delivery of the certificates evidencing such Securities, duly endorsed to the Conversion Shares Depository.

“Settlement Date” means (i) with respect to any Security in relation to which a Conversion Shares Settlement Notice is
received by the Conversion Shares Depository (or the relevant recipient, as applicable) on or before the Notice Cut-Off Date, the date that is two (2) business days after (a) the date on which such
Conversion Shares Settlement Notice has been received by the Conversion Shares Depository or (b) (if later) the date on which the Conversion Shares are delivered to the Conversion Shares Depository, and (ii) with respect to any Security in
relation to which a Conversion Shares Settlement Notice is not received by