Company: INGVF
Filing Date: 2025-03-18
Form Type: 424B5
Source: 0001193125-25-056511
Chunk: 59

Company: ING GROEP NV
Filing Date: 2025-03-18
Form: 424B5
Chunk 59
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 administration in turn exchanges this information with the United States. Furthermore, the Organization of Economic Co-operationand Development (“ OECD”) released the Common Reporting Standard (“ CRS”) and its Commentary on July 21, 2014. Over 100 countries, including The Netherlands, have publicly committed to implement the CRS. On December 9, 2014, Member States adopted Directive 2014/107/EU on administrative cooperation in direct taxation (“ DAC2”) which provides for mandatory automatic exchange of financial information as foreseen in the OECD global standard. DAC2 amends the previous Directive on administrative cooperation in direct taxation, Directive 2011/16/EU (“ DAC1”). Since the CRS and DAC2 were implemented into legislation as per January 1, 2016 in most countries, financial institutions have to identify their account holder’s country of tax residence and report specified account information to the tax administration. The tax administration in turn exchanges this information with the tax administration of the account holder’s tax jurisdiction(s). Investors who are in any doubt as to their position under FATCA and/or CRS or would like to know more should consult their professional advisers. S-46

UNDERWRITING Subject to the terms and conditions set forth in the Underwriting Agreement, dated , 2025, between the Issuer and the underwriters named below, the Issuer agreed to issue to the underwriters, and each underwriter has severally and not jointly undertaken to purchase the principal amount of each series of the notes set forth opposite its name below:

| Underwriters                  |     | Principal Amount  
 of the 2029 notes |     | Principal Amount  
 of the 2031 notes |     | Principal Amount  
 of the 2036 notes |     | Principal Amount 
 of the floating  
 rate notes       |
|:------------------------------|:----|:------------------|:----|:------------------|:----|:------------------|:----|:-----------------|
| BMO Capital Markets Corp.     |     | $                 |     | $                 |     | $                 |     | $                |
| Citigroup Global Markets Inc. |     | $                 |     | $                 |     | $                 |     | $                |
| HSBC Securities (USA) Inc.    |     | $                 |     | $                 |     | $                 |     | $                |
| ING Financial Markets LLC     |     | $                 |     | $                 |     | $                 |     | $                |
|