Company: INGVF
Filing Date: 2025-03-20
Form Type: 424B5
Source: 0001193125-25-058308
Chunk: 176

Company: ING GROEP NV
Filing Date: 2025-03-20
Form: 424B5
Chunk 176
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 overnames, the “Dutch FDI Act”), the acquisition of significant influence (e.g., having at least 10%, 20% or 25% of the votes in the general meeting of the target) in inter alia providers of certain vital
processes, which will likely include certain services provided by ING Group, needs to be ex ante notified to the Dutch Minister of Economic Affairs and Climate. The Dutch Minister of Economic Affairs and Climate may impose prior conditions to the
acquisition of such influence in ING Group. The Dutch FDI Act is not yet in force as at the date of this prospectus, but will have retroactive effect on all in-scope transactions that were signed as of
September 9, 2020.

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DESCRIPTION OF AMERICAN DEPOSITARY SHARES

This section and your prospectus supplement will summarize all of the material provisions of the Amended and Restated Deposit Agreement, dated
as of October 4, 2018, as amended on November 19, 2021, pursuant to which the American depositary receipts (which we refer to as ADRs) are to be issued among ING Groep N.V., JPMorgan Chase Bank, N.A., as depositary, and the holders from
time to time of ADRs. We refer to this agreement as the “deposit agreement.” We do not, however, describe every aspect of the deposit agreement, which has been filed as an exhibit to the registration statement of which this prospectus is a
part. You should read the deposit agreement for a more detailed description of the terms of the ADRs. Additional copies of the deposit agreement are available for inspection at the principal office of the depositary in New York, which is presently
located at 383 Madison Avenue, Floor 11, New York, New York 10179.

American Depositary Receipts

The depositary will issue ADRs evidencing ADSs pursuant to the deposit agreement. Each ADS will represent one ordinary share. Only persons in
whose names ADRs are registered on the books of the depositary will be treated by the depositary and us as holders of ADRs. Unless certificated ADRs are specifically requested by you, all ADSs will be issued on the books of our depositary in
book-entry form and periodic statements will be mailed to you which reflect your ownership interest in such ADSs. In our description, references to American depositary receipts or ADRs shall include