Company: INGVF
Filing Date: 2025-03-20
Form Type: 424B5
Source: 0001193125-25-058308
Chunk: 98

Company: ING GROEP NV
Filing Date: 2025-03-20
Form: 424B5
Chunk 98
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| · |     | 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 below the prevailing market interest rate or at a discount to their stated principal amount. While this prospectus describes terms that apply generally to all the debt securities, the prospectus supplement applicable to your debt security will summarize specific financial and other terms of your debt -21-

security. Consequently, as you read this section, please remember that the specific terms of your debt security as described in your prospectus supplement will supplement and, if applicable, may modify or replace the general terms described in this section. If there are any differences between your prospectus supplement and this prospectus, your prospectus supplement will control. Thus, the statements we make in this section may not apply to your debt security. Holders of debt securities have no voting rights except as explained in this section below under “—Events of Default and Remedies”, and “—Modifications of the Indentures”. Agreement and Acknowledgment with Respect to the Exercise of Dutch Bail-inPower With a view to Article 55 of the Directive 2014/59/EU of the European Parliament and of the Council (the “ Bank Recovery and Resolution Directive” or “ BRRD”), unless otherwise indicated in the relevant prospectus supplement, we will include the following two paragraphs in the terms of the debt securities:

| (a) | Notwithstanding any other agreements, arrangements or understandings between us and any holder or beneficial                                                                                                                                                                                                                                                                                                                                                              
 holder of our debt securities, by acquiring any debt securities, each holder and beneficial owner of a debt security or any interest therein acknowledges, accepts, recognizes, agrees to be bound by, and consents to the exercise of, any Dutch Bail-in Power by the relevant resolution authority that may result in the reduction, cancellation or write-down (whether or not on a permanent basis) of all, or a portion, of the principal amount of, or interest on, 
 the debt securities and/or the conversion of all, or a