Book size: 1250; Registration: Reg S Only; Comments: EUR750m 10yr cpn fxd 3.125% at 99.814, yld 3.147%. Spread: MS+29bps. DBR 2.9 02/15/36 / 100.470 / B+30.30bps. LEI: 3KXUNHVVQFIJN6RHLO76;

Reoffer: MS+29bp / 99.814 / 3.147% Benchmark: DBR 2.9 15-Feb-36 / 100.470 / B+30.30bps Final Book above €1.25bn (incl 175m JLM interest). Peak book above €1.9bn (incl 175m JLM interest) Launched: €750m @ MS+29bp Spread set at: MS+29bp - Books above €1.9bn (incl 175m JLM interest) Guidance: MS+35a Issuer: ING-DiBa AG Ticker: INGDIB Issuer LEI: 3KXUNHVVQFIJN6RHLO76 Issue Rating: Aaa (Moody's) Type: Mortgage Covered Bond / Hypothekenpfandbrief EU Harmonisation Label: European Covered Bond (Premium) Format/Selling restrictions: Reg S / Bearer / TEFRA D and as otherwise set out in the Base Prospectus Tranche Name: EUR 10Y Fixed Size: €750m Settlement: 16-Feb-26 (T+5) Maturity: 16-Feb-36 (Soft Bullet) Business Day Convention: Following Business Day Convention, unadjusted Coupon: 3.125%, per annum, annually in arrear. Actual/Actual (ICMA). T2. Docs: Issued off the ING-DiBa €20bn Debt Issuance Programme dated 13-May-25 as supplemented on 04-Feb-26 Use of Proceeds: General Corporate Purposes Denoms: €100k+100k Listing/Law: Frankfurt Stock Exchange, Regulated Market / German Law Bookrunners: Danske Bank, DZ BANK, Erste Group, ING (B&D), LBBW, Natixis and UniCredit Target Market: MiFID II professionals/ECPs-only/No EU PRIIPs or UK PRIIPs KID – Manufacturer target market (MIFID II product governance) is eligible counterparties and professional clients only (all distribution channels). No EU PRIIPs or UK PRIIPs key information document (KID) has been prepared as not available to retail in EEA and the UK Fees: The banks will be paid a fee by the Issuer in connection to the transaction ISIN: DE000A2YNWF0 Timing: TOE: 14:34 CET / 13:34 UKT – FTT: 14:50 CET/ 13 :50 UKT Advertisement: Base Prospectus dated 13-May-25, as supplemented from time to time and as available on https://www.ing.de/ueber-uns/unternehmen/investor-relations/investor-relations-en/#funding (English Link) and Final Terms, when available on https://www.ing.de/ueber-uns/unternehmen/investor-relations/investor-relations-en/#funding (English Link) or on https://www.ing.de/ueber-uns/unternehmen/investor-relations/#funding (German Link)

General Corporate Purposes