Company: INGVF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-196042
Chunk: 14

Company: ING GROEP NV
Filing Date: 2025-09-04
Form: 424B5
Chunk 14
---
 in Section 309A of the SFA) that the Securities are “prescribed capital markets products” (as defined in the Securities and Futures (Capital Markets Products) Regulations 2018 of Singapore) and “Excluded Investment Products” (as defined in MAS Notice SFA 04N12: Notice on the Sale of Investment Products and MAS Notice FAAN16: Notice on Recommendations on Investment Products).

S-6

FORWARD-LOOKING STATEMENTS Certain of the statements contained in this prospectus supplement, the related prospectus and certain documents incorporated by reference herein or therein are “forward-looking statements” and are not historical facts, including, without limitation, certain statements made of future expectations and other forward-looking statements that are based on management’s current views and assumptions of ING Groep N.V. together with its consolidated subsidiaries (“ ING”). 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 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, conflicts in the Middle East and related international response measures; |

| • |     | changes affecting interest rate levels; |

| • |     | any default of a major market participant and related