Company: INGVF
Filing Date: 2025-03-18
Form Type: 424B5
Source: 0001193125-25-056511
Chunk: 94

Company: ING GROEP NV
Filing Date: 2025-03-18
Form: 424B5
Chunk 94
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 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                                                           |     |                     |         |   |
| Share capital(1)                                                         |     |                     |      39 |   |
| Share premium                                                            |     |                     |  17,116 |   |
| Other reserves                                                           |     |                     |  (1,413 | ) |
| Retained earnings                                                        |     |                     |  40,167 |   |
| Shareholders’ equity (parent)                                            |     |                     |  55,910 |   |
| Non-controlling interests                                                |     |                     |     413 |   |
| Total equity                                                             |     |