ING Direct 2002 Annual Report Download - page 96

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Please find page 96 of the 2002 ING Direct annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.

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RETAIL CLIENTS
Insurance
ING’s life insurance and pension products range from guaranteed-benefit to
investment-linked products. In several core markets, ING also provides insurance cover
for risks such as fire and property, motor, health, accident and disability.
Savings
ING offers a full range of savings instruments from basic savings deposits to ING Direct’s
high return, no-fees internet savings accounts and sophisticated products that combine
savings and investments.
Investing – mutual funds, securities brokerage
ING offers a wide array of investment products, such as country and sector mutual
funds, both ING funds and third-party funds, and various forms of securities brokerage.
Personal loans and mortgages
From a credit limit on a current account to a mortgage loan tied to a securities
portfolio, ING can provide the ideal financial solution for most situations in all countries
where it offers full retail banking services.
Private banking
Private banking products and services offered include investment management, portfolio
management, pension planning, lending, estate planning and trust services.
WHOLESALE CLIENTS
Corporate and investment banking
ING offers corporate clients all types of credit: from a current account overdraft facility
to a bridge loan for a take-over deal. Specialisations are trade and commodity finance
and structured finance. In addition, ING supports its corporate clients with a range of
investment-banking products, mainly focusing on M&A advisory.
Payments – cash management
Optimisation of cash flows can liberate money tied up in numerous local bank accounts
for more productive use. ING’s know-how and experience translate into effective
solutions.
Pensions – employee benefits
More and more companies offer their employees benefits such as pensions, healthcare
insurance, sick pay and disability benefits. ING has developed a unique and flexible
approach to provide tailor-made employee benefits services. ING combines these
services with administrative support, financial-education programmes and advisory services.
Financial markets
Corporate and institutional clients can rely on ING for sales, trading and distribution of
equity and debt-market products, including research, treasury, foreign exchange, money
markets and derivatives. ING also offers integrated brokerage, cash and derivatives
clearing, settlement and securities lending. European custody and administration of
securities portfolios are provided in partnership with Bank of New York.
INSTITUTIONAL CLIENTS
Institutional investment management
Institutional investors can tap into ING’s global experience in asset management, in the
form of discretionary portfolio management or by participating in pooled funds and
mutual funds.
Fund administration services
Enabling investors to outsource non-core functions, ING provides a comprehensive
range of fund administration, custody, trust, banking and accounting services.
Real estate
Developing, financing, managing and investing in real estate require specialised skills.
As the second largest real-estate investor in the world, ING has demonstrated its
command of these skills. To institutional investors, ING offers a family of real-estate
funds focusing on retail property, offices and residential property.
Private equity and alternative assets
ING has several specialised units that offer opportunities to make direct or indirect
investments in unlisted securities. Hedge funds and products such as collateralised debt
obligations can produce attractive returns.
PRODUCTS & SERVICES
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