مجموعة آي إن جي
|تأسيس||1991 through merger
(est. 1743 as Kooger Doodenbos)
|أعضاء بارزون||Jan Hommen (CEO), Patrick Flynn (CFO), Peter Elverding (Chairman of the supervisory board)|
|منتجات||Retail, direct, private, investment and commercial banking, insurance and asset management|
|مردود||€55.79 billion (2011)|
|ربح||€5.770 billion (2011)|
|أصول||€1.279 trillion (end 2011)|
|حقوق||€50.44 billion (end 2011)|
|عمال||97,043 (FTE, end 2011)|
The ING Group (قالب:Lang-nl) is a global financial institution offering retail banking, direct banking, commercial banking, investment banking, asset management, and insurance services. ING is an abbreviation for Internationale Nederlanden Groep (English: International Netherlands Group).
The Orange Lion on ING's logo is an allusion to the Group's Dutch origins under the House of Orange-Nassau. ING is the Dutch member of the Inter-Alpha Group of Banks, a cooperative consortium of 11 prominent European banks.
According to Fortune magazine, in 2010, ING was the largest banking/financial services & insurance conglomerate in the world by revenue with gross receipts exceeding €54 billion (US$77 billion) per annum. The Group was also the world's 12th largest corporation by revenue according to the 2010 Global Fortune 500. As of 2009, ING served over 85 million individual and institutional clients in more than 45 countries, with a worldwide workforce exceeding 100,000.
ING Group traces its roots to two major Insurance companies in the Netherlands and the banking services of the Dutch government.
In 1845 the fire insurance company the Assurantie Maatschappij tegen Brandschade de Nederlanden van 1845 (Fire insurance company of the Netherlands established 1845) was founded and grew to be the first insurance company with branches outside the Netherlands, of which it had 139 the world over by 1900. Two decades later in 1863 the life insurance company Nationale Levensverzekerings Bank (National Life Insurance Bank) was founded in Rotterdam. These two insurance companies would merge to form the combined insurance company the Nationale-Nederlanden in 1963. The combined insurance company would expand significantly during the 1970s and 1980s.
الخدمات المصرفية [عدل]
In 1881 the Dutch government created the Rijkspostspaarbank, a postal savings system to encourage workers to start saving. Four decades later they added the Postcheque and Girodienst services allowing working families to make payments via post offices. Separately in 1927 the Dutch government initiated a reorganisation of Dutch banks which resulted in the creation of the Nederlandsche Middenstands Bank (NMB). NMB's focus was retail banking in the Netherlands and abroad.
In 1986 the post office banking services were privatised as Postbank N.V. and three years later it would merge with NMB bank to form NMB Postbank.
Merger of banking and insurance [عدل]
In 1991 the banking business of NMB Postbank and the insurance business of Nationale-Nederlanden were merged to create ING Group, after changes in regulation that allowed banks and insurance businesses to work together.
Overseas expansion [عدل]
ING Group expanded its international business through a number of acquisitions through the 1990s including Belgium bank Banque Bruxelles Lambert (BBL) in 1998, US based insurance company Equitable of Iowa and the commercial bank Furman Selz. It also acquired Frankfurt based BHF-Bank in 1999, although disposed of this later. It increased its Latin American and Asia Pacific's insurance businesses with the acquisition of ReliaStar and Aetna's Financial Services unit. It also acquired the Polish Bank Śląski and Mexican insurance company Seguros Comercial América.
To expanding its retail banking business overseas, rather than create a branch network, it used the direct banking business model it had develop with NMB Postbank to launch an overseas direct banking businesses called ING Direct. The first of these was set up in Canada in 1997, this was soon followed in a number of other countries including the US, UK, Germany, France and Australia. The no frills high rate savings accounts that could only be accessed on-line were a successful venture and spawned a number of similar services from rival banks.
In the late-2000s financial crisis ING Group, together with most other major banks in the Netherlands, took a capital injection from the Dutch Government in 2008 as part of its response to the crisis. This support increased ING's capital ratio above 8%, however as a condition of Dutch state aid, the EU demanded a number of changes to the company structure. This resulted in divestiture of a number of businesses around the world, which included insurance businesses in Canada, Australia and New Zealand and the ING Direct unit in the US and the UK.
حول العالم [عدل]
تملك شركة آي إن جي مكاتب حول العالم في كل من:
- جمهورية التشيك
- هونغ كونغ
- كوريا الجنوبية
- الإمارات العربية المتحدة
- المملكة المتحدة
- الولايات المتحدة
Global headquarters [عدل]
The Group's corporate headquarters, ING House, is located in the business district of Zuidas in Amsterdam, Netherlands. It was designed by Roberto Meyer and Jeroen van Schooten and was officially inaugurated on September 16, 2002 by Prince Willem-Alexander of the Netherlands. The light-infused building features a 250-seat auditorium, foyer, restaurant, library and an extensive art collection.
Recent notable transactions [عدل]
Latin American divestment [عدل]
In July 2011, ING divested all its Latin American insurance operations to the Colombian insurance group GrupoSura for US$3.85 billion, excluding ING's 36 percent holding in Brazilian insurer Sul America which will be sold at a later date. Sul America officially started operating the ING Investment Management, Wealth Management, Retire Funds and Pension businesses in Latin America (Chile, Colombia, Mexico, Peru and Uruguay) on February 13, 2012. ING Commercial Bank will keep its operations in Mexico.
Capital injection and repayment [عدل]
In October 2008, in a move to increase its core Tier 1 capital ratio above 8%, ING Group accepted a capital injection plan from the Dutch Government. The plan supplied €10 billion (US$13.5 billion) to the operation, in exchange for securities and veto rights on major operational changes and investments. The European Commission also required ING to divest itself of its insurance and investment management operations by the end of 2013 as a condition of approving the state aid.
Wouter Bos, the Dutch Finance Minister at the time, said the Dutch government's investment was done as a means of fortifying the bank to weather the financial crisis. Management stated that the capital injection shall have no dilutive impact to existing shareholders. As part of the agreement, two government advisers have been appointed to the Supervisory Board of the Group.
In Dec 2009, ING raised €7.3 billion through share issues, and repurchased securities representing half of the €10 billion in state aid. It repurchased another €2 billion in May 2011 (at a 50% premium), and looked to complete the repayments by May 2012. However, in January 2012 it cited eurozone conditions in putting the repayment timetable as 2012-2013 for the remaining €3 billion.
U.S. Treasury Department announces $619 million settlement with ING Bank, N.V. [عدل]
On June 12, 2012, the U.S. Department of the Treasury’s Office of Foreign Assets Control announced a $619 million settlement with ING Bank N.V. to settle potential liability for conspiring to violate the International Emergency Economic Powers Act (IEEPA) and the Trading with the Enemy Act (TWEA) and for violating New York state laws by illegally moving billions of dollars through the U.S. financial system on behalf of sanctioned Cuban and Iranian entities. ING Bank’s settlement with OFAC is simultaneous with settlements with the U.S. Attorney's Office for the District of Columbia, the Department of Justice's National Security Division, the Department of Justice's Asset Forfeiture and Money Laundering Section and the New York County District Attorney’s Office.
Under the settlement agreement, ING Bank is required to conduct a review of, and to submit a report to OFAC regarding, its policies and procedures and their implementation, taking an appropriate risk-focused sampling of U.S. dollar payments to ensure that its OFAC compliance program is functioning effectively to detect, correct, and report any OFAC-sanctioned transactions that might occur.
Beginning in the 1990s, at the instruction of senior bank management, ING Bank employees in Curaçao began processing payments for ING Bank’s Cuban banking operations through its branch in Curaçao on behalf of Cuban customers without reference to the payments’ origin. The practice of removing and omitting such information was used by other branches of ING Bank’s Wholesale Banking Division, including in France, Belgium, and the Netherlands, in processing U.S. dollar payments and trade finance transactions through the United States. In addition, ING Bank’s senior management in France authorized, advised in the creation of, and ultimately provided fraudulent endorsement stamps for use by Cuban financial institutions in processing travelers check transactions, which disguised the involvement of Cuban banks in these transactions when they were processed through the United States. Moreover, ING Bank’s Trade and Commodity Finance business at its Wholesale Banking branch in the Netherlands routed payments made on behalf of U.S.-sanctioned Cuban clients through other corporate clients to obscure the sanctioned clients’ identities and its Romanian branch omitted details from a letter of credit involving a U.S. financial institution to finance the exportation of U.S.-origin goods to Iran.
Retail banking [عدل]
ING offers retail banking services in the Netherlands, Belgium, Luxembourg, Poland, Romania, Turkey, India, Thailand and China. Non-retail private banking services are offered in the Netherlands, Belgium, Luxembourg, Switzerland and various countries in Asia and Central Europe.
Outside of the Benelux, ING's current focus is on Central & Eastern Europe, as well as certain high-growth regions in Asia. In India, ING has a 44% stake in ING Vysya Bank and is the Indian bank's largest shareholder. In China, ING has a 17% stake in the Bank of Beijing, the largest urban commercial bank in China. In Thailand, ING has a 30% stake in TMB Bank, a universal banking platform with a nationwide network.
ING Direct [عدل]
ING Direct is the Group's brand for a branchless direct bank with operations in Australia, Austria, Canada, France, Germany, Italy, Spain, the United Kingdom and the United States. It offers services over the web, phone, ATM or by mail. The service currently focuses on simple interest-bearing savings accounts for retail customers. ING Direct Italy is currently opening its own "bank shops" in the major towns, where customers can operate services on usual web channels, assisted or not by branch operators, and use advanced teller machines for cash and check transactions.
ING Direct Canada [عدل]
ING's history in Canada dates to 1997 when it founded ING Direct Canada. As recently as July 2011, ING Direct Canada had over 1.7 million clients, employed over 900 people and had over US$37.6 billion in assets. ING Direct Canada has five 'Save Your Money Cafés' in the major cities of Toronto, Montréal, Calgary and Vancouver. Recently, ING Direct Canada announced the closure of their bilingual (French and English) office in Ottawa, Ontario[بحاجة لمصدر] and moved its operations to Moncton New Brunswick.
Its products include savings accounts, tax-free savings accounts (TFSAs), mortgages, retirement savings plans (RSPs), guaranteed investments (GICs), mutual funds, business accounts and a no-fee daily checking accounts. They are known for using a referral program as part of their advertising, allowing members to refer friends whereby both the referrer and referee receive a cash bonus.
ING Direct Canada is a member of the Canadian Bankers Association (CBA) and a registered member with the Canada Deposit Insurance Corporation (CDIC), a federal agency insuring deposits of all Canada's chartered banks. ING Direct Canada operates as Banking Institution #614, Transit #00152.
As of February 2009, ING Canada (the insurance arm) is no longer a subsidiary of ING Group. ING Group's 70% equity interest was spun off for US$2.2 billion. The company (which has an 11% share of Canada's property and casualty insurance market) was then renamed Intact Financial Corporation in May 2009. ING Group still operates ING Bank of Canada, also known as ING Direct Canada.
On August 29, 2012, Scotiabank announced that it would acquire ING Direct Canada for $3.13 billion. The sale was completed on November 15, 2012. A gradual transfer will see the ING Direct Canada name disappear from the Canadian banking sector within 18 months of acquisition.
ING Direct United States [عدل]
In June 2011, Capital One Financial Corporation purchased ING Direct USA from ING for US$9 billion (€6.3 billion). The sale was completed on June 16, 2011 with the CEO of ING Group at that time Jan Hommen saying the sale "marks a further important step in the restructuring of ING Group. Yet at the same time we are saying goodbye to a very successful business and a dedicated team ...".
On November 7, 2012, Capital One announced that ING Direct's U.S. operations would be re-branded as Capital One 360 in February 2013.
ING Direct UK [عدل]
ING Direct began operations in the UK in May 2003 and has over one million customers. Operations are based in Reading, where the company head office is situated as well as an office based in the city of Cardiff. The bank markets itself as offering good customer service and high interest rates, which are usually higher than its high street competitors, but not always top of comparison tables. The bank has picked up awards for its customer services and mortgage product in 2008 and 2009.
On October 8, 2008, ING purchased the savings accounts of the collapsed Icelandic bank, Kaupthing Singer & Friedlander, the UK Treasury used the Banking (Special Provisions) Act 2008 to transfer the Kaupthing Edge deposit business to ING Direct. Through this, ING Direct took over responsibility for £2.5 billion of deposits of 160,000 UK customers with the Icelandic bank Kaupthing Edge. Some customers were dissatisfied after ING lowered the exceptional high rate the collapsed Kaupthing was previously paying.
ING announced a plan to exit the UK in August 2012, as it sought to raise funds to repay a bailout from the Dutch government. On 9 October 2012 Barclays announced that it had agreed to buy ING Direct UK, taking on its £10.9bn deposits and £5.6bn mortgage book. ING said it would incur a 320m-euro (£260m; $415m) after-tax loss on the sale, which would involve the transfer of 750 ING Direct staff and 1.5 million customers.
ING Direct Australia [عدل]
ING Direct Australia was established in 1999 and is headquartered in Sydney, offering banking online and via telephone. Its products in Australia include Transaction accounts, Savings accounts, Business accounts, Term deposits and Home loans.
The company's operations are regulated by the Australian Prudential Regulation Authority and the Australian Securities and Investments Commission, Federal Government regulators. ING Direct is a division of ING Bank (Australia).
In October 2008, ING Direct suffered a US$749 million outflow of deposit funds. There had been some confusion as to whether or not the Australian Government's guarantee over funds on deposit applied to deposits up to US$1 million with ING DIRECT Australia. [بحاجة لمصدر]
Commercial banking [عدل]
ING Commercial Banking provides banking and financial services to corporations and other institutions. The primary geographic focus of the commercial banking business is the Netherlands, Belgium, Poland and Romania, where it offers a full range of products, from cash management to corporate finance. Elsewhere, it takes a more selective approach to clients and products.
ING Commercial Banking was strengthened in 1995, when ING took over Barings Bank. This acquisition increased the brand recognition of ING around the world and strengthened its Commercial Banking presence in the emerging markets. Following the acquisition and up until 2004, ING's investment banking division was called ING Barings, at which point it severed its ties with the Barings name and combined with ING's other commercial banking operations. However, the top floor of ING's London office is still home to the Baring Art Collection, and the Baring Foundation, a charitable foundation.
Commercial Banking is divided into a number of sub-divisions, including Structured Finance, Financial Markets, and Corporate Finance.
Corporate finance [عدل]
ING's Corporate Finance department advises businesses on important corporate transactions, including mergers and acquisitions, initial public offerings, secondary offerings, share buy-backs and management buy-outs. The division is headed jointly by Maurits Duynstee (Head of Corporate Finance, Continental Western Europe) and Pierre Chabrelie (Head of Corporate Finance, UK and CEE). The bank has advised on a number of recent high-profile European transactions including satellite navigation manufacturer TomTom in a €359m rights issue, energy supplier Nuon in its €8.5bn sale to Vattenfall, and printer-maker Océ in its €1.3bn merger with Canon. ING was the leading advisor in the Dutch M&A league tables in 2009.
ING Corporate finance has a strong presence in Russia and Central and Eastern Europe. In 2009 ING advised Mobile TeleSystems OJSC (MTS), Russia's largest mobile operator, in its acquisition of a 51% stake in Comstar UTS for USD 1.27bn, and Russia-focussed oil producer, Exillon Energy on its USD 100m IPO.
ING's insurance business operates throughout America, Asia and Europe.
In 2009, ING announced plans to separate its insurance business from its main banking operations through two IPO's, one for Europe and Asia and another one for the US. The EuroAsia IPO has been delayed while the US IPO is supposed to be completed by the end of 2012. Analysts estimate that the insurance arm is worth up to €16 billion.
شركةآي إن جي أستراليا [عدل]
إدارة الاستثمارات [عدل]
ING Investment Management is the principal asset manager of the Group and a leading global asset manager. Against the background of the Group realizing its global ambitions, ING Investment Management has also expanded across borders. Today, it is active in 33 countries, including some of the world’s fastest-growing economies, such as China, India, Brazil and many Eastern European nations. ING Investment Management operates along regional lines with centers of expertise in Europe, the Americas and Asia-Pacific.
ING Investment Management provides a comprehensive range of investment solutions and services to clients and partners. It manages assets for institutional clients, fund distributors and ING labels, with approximately €326 billion in AUM. Over 3,200 professionals manage client funds globally.
ING sponsors sporting events and artistic exhibitions throughout the world.
For several years, ING has been the title sponsor of marathons including the New York City Marathon, the Miami Marathon, the Georgia Marathon, the Hartford Marathon, the Philadelphia Distance Run and San Francisco's Bay to Breakers.
ING was the title sponsor of the Renault Formula One team from the 2007 season to the 2009 season. It was the title sponsor of the Australian Grand Prix and Belgian Grand Prix, the Hungarian Grand Prix, and the Turkish Grand Prix. ING ended its sponsorship of Renault in part due to a reduction in advertising spending and in part due to controversy surrounding the Renault Formula One team.
ING's sponsorships in the arts include the Dutch National Museum in Amsterdam (the Rijksmuseum), the New York Museum of Modern Art, and the Royal Concertgebouw Orchestra. ING owns and houses proprietary art collections in Belgium, Mexico, the Netherlands, Poland and the United Kingdom.
طالع أيضاً [عدل]
- ^ http://www.inglife.co.in/careers/history/ING-history.shtml
- "Annual Results 2011". ING. http://www.ing.com/web/file?uuid=82823e27-ba97-4f86-8db0-2e914f270b62&owner=b03bc017-e0db-4b5d-abbf-003b12934429&contentid=16101. Retrieved 16 March 2012.
- ^ http://www.ing.com/Our-Company/About-us/History-of-ING/History-of-ING-lion.htm
- ^ http://www.inter-alpha.com/ing/default.htm
- ^ “Global 500”. Fortune (magazine)، 26 يوليو 2010. وصل لهذا المسار في 3 ديسمبر 2010.
- ^ “Global 500 2010: Global 500 1-100”. CNN.
- ^ "The history of ING". ING Group. 29 March 2011. http://www.ing.com/Our-Company/About-us/History-of-ING.htm.
- ^ "Barclays to acquire ING Direct UK". BBC News. http://www.bbc.co.uk/news/business-19880659. Retrieved 9 October 2012.
- ^ ING sells Latin American insurance operations
- ^ "U.S. Treasury Department Announces $619 Million Settlement with ING Bank, N.V.". U.S. Department of the Treasury. http://www.treasury.gov/press-center/press-releases/Pages/tg1612.aspx. Retrieved 2012-06-13.
- ^ "ING Bank N.V. Agrees to Forfeit $619 Million for Illegal Transactions with Cuban and Iranian Entities". U.S. Department of Justice. http://www.justice.gov/opa/pr/2012/June/12-crm-742.html. Retrieved 2012-09-14.
- ^ OECD.org
- ^ INGdirect.ca
- ^ House of Orange Keys
- ^ INGdirect.ca
- ^ "ING Canada to rebrand its ING Insurance subsidiary". 2009-02-23. http://www.newswire.ca/en/releases/archive/February2009/23/c2918.html.
- ^ "Scotiabank to buy ING Bank of Canada for $3.13 billion in cash". The Canadian Press. http://www.ctvnews.ca/business/scotiabank-to-buy-ing-bank-of-canada-for-3-13-billion-in-cash-1.935199.
- ^ "ING completes sale of ING Direct Canada". Reuters. http://www.reuters.com/article/2012/11/15/idUS140860+15-Nov-2012+HUG20121115.
- ^ INdirect.com
- ^ "ING DIRECT Acquires ShareBuilder" (بيان إعلامي). ING DIRECT USA. 2007-11-19. http://home.ingdirect.com/about/about.asp?s=News_Room&news=News_Releases&years_list=PressReleases2007.xml&id=5. Retrieved 2010-08-12.
- ^ "ING completes sale of ING Direct USA". Reuters. 2012-02-17. http://www.reuters.com/article/2012/02/17/idUS152938+17-Feb-2012+HUG20120217.
- ^ Campbell, Dakin. “Capital One Rebrands ING Direct as Orange Ball Gets ‘360’ Motif”. Bloomberg، 7 نوفمبر 2012. وصل لهذا المسار في 7 نوفمبر 2012.
- ^ "Savers pull £5.4bn from ING Direct". http://www.thisismoney.co.uk/saving-and-banking/article.html?in_article_id=423187&in_page_id=7&expand=true.
- ^ Top50callcentres.co.uk
- ^ HM-treasury.gov.uk
- ^ INGsavers.co.uk
- ^ 
- ^ BaringArchive.org.uk
- ^ BaringFoundation.org.uk
- ^ (هولندية) Overfusies.nl
- ^ Bloomberg news, MTS acquisition
- ^ Dealbook, Exillon IPO
- ^ Cachef.ft.com
- ^ http://www.onepath.com.au/aboutOnePath/9890.aspx
- ^ Paul Bibby Courts, smh.com.au. “Woman's quest for self-esteem and revenge cost boss $45m”. The Sydney Morning Herald، 16 ديسمبر 2011. وصل لهذا المسار في 16 ديسمبر 2011.
- ^ Paul Bibby, smh.com.au. “Fifteen years' jail for fraudster's $45 million luxury shopping spree”. The Sydney Morning Herald، 10 فبراير 2012. وصل لهذا المسار في 10 فبراير 2012.
- ^ ING IM Keyfacts
- ^ INGafc.com
- ^ ING press release, end of F1 sponsorship
- ^ INGartcollection.com
- ^ We Are Proud News
روابط خارجية [عدل]
|شاهد المزيد من الصور والملفات في ويكيميديا كومنز حول: مجموعة آي إن جي|
مواقع الشركة الإلكترونية [عدل]
- ING.com ING Group mobile
- ING Commercial Banking
- ING Real Estate
- ING Investment Management
- ING Commercial Banking France
مواقع إلكترونية أخرى [عدل]
قالب:AEX companies قالب:Dutch financial services companies قالب:List of banks in Europe قالب:Major investment banks قالب:Major insurance companies قالب:Members of Euro Banking Association قالب:Philadelphia Corporations قالب:50 largest Russian banks قالب:Canadian banks