Company: INGVF
Filing Date: 2025-03-20
Form Type: 424B5
Source: 0001193125-25-058308
Chunk: 93

Company: ING GROEP NV
Filing Date: 2025-03-20
Form: 424B5
Chunk 93
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 U.S. dollars. For example, a
judgment for money in an action based on a non-dollar security in many other U.S. federal or state courts ordinarily would be enforced in the United States only in U.S. dollars. The date used to determine the
rate of conversion of the currency in which any particular security is denominated into U.S. dollars will depend upon various factors, including which court renders the judgment.

Information about Exchange Rates May Not Be Indicative of Future Performance

If we issue a debt security or capital security denominated in a specified currency other than U.S. dollars, we may include in your prospectus
supplement a currency supplement that provides information about

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historical exchange rates for the specified currency. Any information about exchange rates that we may provide will be furnished as a matter of information only, and you should not regard the
information as indicative of the range of, or trends in, fluctuations in currency exchange rates that may occur in the future. The exchange rate specified in your prospectus supplement will likely differ from the exchange rate used under the terms
that apply to a particular debt security or capital security.

Determinations Made by the Exchange Rate Agent

All determinations made by the exchange rate agent will be made in its sole discretion (except to the extent expressly provided in this
prospectus or in your prospectus supplement that any determination is subject to approval by ING Groep N.V.). In the absence of manifest error, its determinations will be conclusive for all purposes and will bind all holders and us. The exchange
rate agent will not have any liability for its determinations.

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CAPITALIZATION AND INDEBTEDNESS The following table shows the unaudited actual capitalization and indebtedness of the Group as of June 30, 2022. This table should be read together with the unaudited condensed consolidated interim financial statements of the Group as of June 30, 2022 and the notes thereto, which are incorporated by reference into this registration statement. The unaudited condensed consolidated interim financial statements are prepared in accordance with International Accounting Standard 34 ‘Interim Financial Reporting’ as adopted by the International Accounting Standards Board (“ IFRS-IASB”).

|                                                                          |     | As of June 30, 2022 |         |   |
|:-------------------------------------------------------------------------|:----|:--------------------|--------:|:--|
|                                                                          |     | -in € millions      |         |   |
| Capitalization