Company: INGVF
Filing Date: 2025-03-18
Form Type: 424B5
Source: 0001193125-25-056511
Chunk: 98

Company: ING GROEP NV
Filing Date: 2025-03-18
Form: 424B5
Chunk 98
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 and any right of the holder to substitute securities for the securities subject to resale;                   |

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| · |     | any conditions or limitations to defeasance of the debt securities, to the extent different from those described under “— Defeasance” in this 
 prospectus;                                                                                                                                   |

| · |     | any changes or additions to the events of default or covenants contained in the relevant indenture; |

| · |     | if applicable, any subordination provisions that will apply, to the extent different from those described in this prospectus; |

| · |     | the names and duties of any co-trustees, authenticating agents, paying agents, transfer agents or registrars for your 
 debt security;                                                                                                        |

| · |     | any applicable provision related to the Dutch Bail-in Power (as defined below) in connection with applicable regulatory 
 capital, loss absorbing capacity or other requirements;                                                                 |

| · |     | any specific Dutch or U.S. federal income tax considerations relating to the debt securities not addressed in this prospectus; and |

| · |     | any other terms of your debt security, which could be different from those described in this prospectus. |

If your debt security is a fixed rate debt security, the prospectus supplement will also describe:

| · |     | the annual rate or rates at which your debt security will bear interest, if any; |

| · |     | the date or dates from which that interest, if any, will accrue; and |

| · |     | the interest payment dates to the extent different from those described herein. |

If your debt security is a floating rate debt security, the prospectus supplement will also describe:

| · |     | the interest rate basis; |

| · |     | any applicable index currency or maturity, spread or spread multiplier or initial maximum or minimum rate; |

| · |     | the interest reset, determination, calculation and payment dates; |

| · |     | the day count used to calculate interest payments for any period; and |

| · |     | the calculation agent. |

The prospectus supplement relating to any series of debt securities may also include, if applicable, a discussion of certain U.S. federal income tax considerations and considerations under the Employee Retirement Income Security Act of 1974, as amended, or ERISA. Debt securities may bear interest at a fixed rate or a floating rate or we may issue debt securities that bear no interest or that bear interest at a rate