Company: INGVF
Filing Date: 2025-04-24
Form Type: F-3ASR
Source: 0001193125-25-093692
Chunk: 10

Company: ING GROEP NV
Filing Date: 2025-04-24
Form: F-3ASR
Chunk 10
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| • |     | risks and challenges related to cybercrime including the effects of cyber-attacks and changes in legislation and                                                                                                         
 regulation related to cybersecurity and data privacy, including such risks and challenges as a consequence of the use of emerging technologies, such as advanced forms of artificial intelligence and quantum computing; |

| • |     | changes in general competitive factors, including ability to increase or maintain market share; |

| • |     | inability to protect our intellectual property and infringement claims by third parties; |

| • |     | inability of counterparties to meet financial obligations or ability to enforce rights against such 
 counterparties;                                                                                     |

| • |     | changes in credit ratings; |

| • |     | business, operational, regulatory, reputation, transition and other risks and challenges in connection with                                                                                             
 climate change, diversity, equity and inclusion and other ESG-related matters, including data gathering and reporting and also including managing the conflicting laws and requirements of governments, 
 regulators and authorities with respect to these topics;                                                                                                                                                |

| • |     | inability to attract and retain key personnel; |

| • |     | future liabilities under defined benefit retirement plans; |

| • |     | failure to manage business risks, including in connection with use of models, use of derivatives, or maintaining 
 appropriate policies and guidelines;                                                                             |

| • |     | changes in capital and credit markets, including interbank funding, as well as customer deposits, which provide 
 the liquidity and capital required to fund our operations; and                                                  |

| • |     | the other risks and uncertainties detailed in our filings with the SEC, including the 2024 Form 20-F, which is available on the SEC’s website at http://www.sec.gov, and ING’s more recent disclosures, including press releases, which are available on www.ing.com. |

Any forward looking statements made by or on behalf of ING speak only as of the date they are made, and ING assumes no obligation or undertaking to publicly update or revise any forward-looking statements, whether as a result of new information or future events or for any other reason. You should, however, consult any additional disclosures that ING may make in any documents which it publishes and/or files with the SEC. This prospectus, the related prospectus supplements and certain documents incorporated by reference herein or therein may contain inactive textual addresses to internet websites operated by us and third parties. Reference to such websites is made for information purposes only, and information found at such websites is not incorporated by