Company: INGVF
Filing Date: 2025-04-24
Form Type: F-3ASR
Source: 0001193125-25-093692
Chunk: 4

Company: ING GROEP NV
Filing Date: 2025-04-24
Form: F-3ASR
Chunk 4
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, including the following summary, describes the general terms that may apply to the securities. The specific terms of any particular securities that we may offer will be described in a separate supplement to this prospectus. Notwithstanding any other agreements, arrangements or understandings between us and any holder or beneficial holder of our debt securities or capital securities, by acquiring our debt securities or our capital securities, each holder and beneficial holder thereof or of any interest therein acknowledges, accepts, recognizes, agrees to be bound by, and consents to the exercise of, any Dutch Bail-inPower (as defined herein) by the relevant resolution authority (references to the “relevant resolution authority” is to any authority with the ability to exercise a Dutch Bail-inPower) that may result in the reduction (including to zero), cancellation or write-down (whether on a permanent basis or subject to a write-upby the resolution authority) of all, or a portion, of the principal amount of, or interest on, the applicable debt securities or capital securities and/or the conversion of all, or a portion, of the principal amount of, or interest on, the applicable debt securities or capital securities into shares or claims which may give right to shares or other instruments of ownership or other securities or other of our obligations or obligations of another person (whether or not at the point of non-viabilityand independently of or in combination with a resolution action), including by means of a variation to the terms of the debt securities or capital securities (which may include amending the interest amount or the maturity or interest payment dates, including by suspending payment for a temporary period), or that the debt securities or capital securities must otherwise be applied to absorb losses, or any expropriation of the applicable debt securities or capital securities, in each case, to give effect to the exercise by the relevant resolution authority of such Dutch Bail-inPower. For

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more information on the Dutch Bail-in Power, see “Description of Debt Securities—Agreement and Acknowledgment with Respect to the Exercise of
Dutch Bail-in Power” and “Description of Capital Securities—Agreement and Acknowledgment with Respect to the Exercise of Dutch Bail-in Power”.

Because our assets consist principally of interests in the subsidiaries through which we conduct our businesses, our cash flow and our
consequent ability to service our debt, including the debt securities, are largely dependent upon the cash flow and earnings of our subsidiaries, including dividends we receive from some of those subsidiaries. In addition, our right to participate
as an equity holder in any