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Ing Direct (Capitol One 360)

In: Business and Management

Submitted By plbaker
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ING DIRECT

A Review of a Financial Services Company

ING Direct is the world leading branchless online saving. As of 2009, ING Direct serves 85 million customers in Europe, the United States, Canada, Latin America, Asia and Australia. They draw on their experience and expertise, their commitment to excellent service and their global scale to meet the needs of a broad customer base, comprising individuals, families, small businesses, large corporations, institutions and governments. Based on market capitalization, ING DIRECT is one of the 20 largest financial institutions worldwide. “ING DIRECT is a federally chartered bank insured by the FDIC (Federal Deposit Insurance Corporation). It is registered with the FDIC under the name of ING Bank. ING Direct Headquarter Office is located in Wilmington, DE. The purpose of this research paper is to examine the banking industry of ING Direct and its Current Financial Conditions, Challenges dealing with the “New Normal” Economy, Customer Impact and Ways to improve any Industry Issues.

Current Financial Conditions

Even though a great many financial institutions have folded or merged with other financial institutions, ING Direct has been able to sustain its creditability and within its primary market has been able to issue new shares of stock and sell them to investors. This is mainly due to ING Direct gains during the fourth quarter of 2009. In the fourth quart of 2009 ING Direct stocks were at _______ which were just as high as most of the major banks like Bank of America, J.P Morgan and Citibank. ING Direct was able to maintain its interest rates 1.10 and its annual percentage yield (APY) also at 1.10. ING Direct compound its APY daily opposed to quarterly which its customers earn a better APY then other financial institutions thoughout the fourth quarter of 2009, making them, in general, one of the...

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