Company: INGVF
Filing Date: 2025-03-18
Form Type: 424B5
Source: 0001193125-25-056511
Chunk: 78

Company: ING GROEP NV
Filing Date: 2025-03-18
Form: 424B5
Chunk 78
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 shares and the ADSs in detail under “Description of Ordinary Shares”
and “Description of American Depositary Shares.”

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Form of Securities

We will issue the securities in book-entry form through one or more depositaries, such as The Depository Trust Company, or “DTC,”
Euroclear Bank SA/NV, as operator of the Euroclear system, or “Euroclear,” or Clearstream Banking, S.A. or “Clearstream, Luxembourg,” named in your prospectus supplement. Each sale of a security in book-entry form will settle in
immediately available funds through the depositary, unless otherwise stated. We will generally issue debt securities and capital securities only in registered form, without coupons.

Payment Currencies

Amounts payable in respect of the securities, including the purchase price, will be payable in U.S. dollars, unless your prospectus supplement
says otherwise.

Listing

If any securities are to be listed on a securities exchange or quoted on a quotation system, your prospectus supplement will say so.

Use of Proceeds

Unless
we indicate otherwise in your prospectus supplement, we intend to use the net proceeds from the initial sales of securities to provide additional funds for our operations and for other general corporate purposes.

Manner of Offering

The
securities will be offered in connection with their initial issuance or in market-making transactions by our affiliates after initial issuance. Those offered in market-making transactions may be securities that will only be issued after the date of
this prospectus, as well as debt securities that we have previously issued.

When we issue new securities, we may offer them for sale to
or through underwriters, dealers and agents, including our affiliates, or directly to purchasers. Your prospectus supplement will include any required information about the firms we use and the discounts or commissions we may pay them for their
services.

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AVAILABLE INFORMATION We file annual reports on Form 20-Fwith, and furnish other reports and information on Form 6-Kto, the U.S. Securities and Exchange Commission (the “ SEC”). However, as a foreign private issuer, we and our shareholders are exempt from some of the Securities Exchange Act reporting requirements, including proxy solicitations rules, the short-swing insider profit disclosure rules of Section 16 of the Exchange Act with respect to our ordinary shares and the rules regarding the furnishing of quarterly reports to the SEC, which are required to be furnished only if required or otherwise provided in our home country domicile. Our filings with the SEC are available through the SEC