Company: INGVF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-196042
Chunk: 188

Company: ING GROEP NV
Filing Date: 2025-09-04
Form: 424B5
Chunk 188
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| • |     | any changes or additions to the events of default or covenants contained in the relevant indenture; |

| • |     | if applicable, any subordination provisions that will apply, to the extent different from those described in this 
 prospectus;                                                                                                       |

| • |     | the names and duties of any co-trustees, authenticating agents, paying 
 agents, transfer agents or registrars for your debt security;          |

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| • |     | any applicable provision related to the Dutch Bail-in Power (as defined                                 
 below) in connection with applicable regulatory capital, loss absorbing capacity or other requirements; |

| • |     | any specific Dutch or U.S. federal income tax considerations relating to the debt securities not addressed in 
 this prospectus; and                                                                                          |

| • |     | any other terms of your debt security, which could be different from those described in this prospectus. |

If your debt security is a fixed rate debt security, the prospectus supplement will also describe:

| • |     | the annual rate or rates at which your debt security will bear interest, if any; |

| • |     | the date or dates from which that interest, if any, will accrue; and |

| • |     | the interest payment dates to the extent different from those described herein. |

If your debt security is a floating rate debt security, the prospectus supplement will also describe:

| • |     | the interest rate basis; |

| • |     | any applicable index currency or maturity, spread or spread multiplier or initial maximum or minimum rate; |

| • |     | 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 security. Consequently