Company: INGVF
Filing Date: 2025-03-18
Form Type: 424B5
Source: 0001193125-25-056511
Chunk: 131

Company: ING GROEP NV
Filing Date: 2025-03-18
Form: 424B5
Chunk 131
---
 the close of business on a regular record date when business is not being conducted, the close of business will mean 5:00 P.M., New York City time, on that day. Notwithstanding the foregoing, the record date for any payment date for a debt security in book-entry form will be the business day prior to the payment date. Business Day Unless we specify otherwise in your prospectus supplement, the term “business day” means, for any debt security, a day that meets all the following applicable requirements:

| · |     | for all debt securities, it is a Monday, Tuesday, Wednesday, Thursday or Friday that is not a day on which banking institutions in The Netherlands or New York           
 City generally are authorized or obligated by law, regulation or executive order to close and that satisfies any other criteria specified in your prospectus supplement; |

| · |     | if the debt security is a floating rate debt security whose interest rate is based on LIBOR, it is also a day on which dealings in the relevant index currency 
 specified in your prospectus supplement are transacted in the London interbank market;                                                                         |

| · |     | if the debt security has a specified currency other than U.S. dollars or euro, it is also a day on which banking institutions are not authorized or obligated 
 by law, regulation or executive order to close in the principal financial center of the country issuing the specified currency;                               |

| · |     | if the debt security either is a floating rate debt security whose interest rate is based on EURIBOR or has a specified currency of euro, it is also a day on 
 which the Trans-European Automated Real-Time Gross Settlement Express Transfer (TARGET) System, or any successor system, is open for business;                |

| · |     | if the debt security is held through Euroclear, it is also not a day on which banking institutions in Brussels, Belgium are generally authorized or obligated 
 by law, regulation or executive order to close; and                                                                                                           |

| · |     | if the debt security is held through Clearstream, Luxembourg, it is also not a day on which banking institutions in Luxembourg are generally authorized or 
 obligated by law, regulation or executive order to close.                                                                                                  |

-43-

How We Will Make Payments Due in U.S. Dollars

We will follow the practice described in this subsection when paying amounts due in U.S. dollars. Payments of amounts due in other currencies
will be made as described in the next subsection.

Payments on Global Debt Securities. We