As ING Bank, we care about your savings.
You can choose investment alternatives best for you from our classical and derivative investment products.
Current Deposit Account in TL / Foreign Currency
With a current deposit account in ING Bank, you will be able to use your account any time, not only for your payments but also for your transactions with a standing instruction.
Term Deposit Account in TL / Foreign Currency
These are accounts for you to invest your money in a defined amount with a fixed interest rate during a defined term.
Mutual funds
Our mutual funds managed by ING Portföy Yönetimi A.Ş. are profitable investment instruments. Mutual funds are traded as Type
A and B. Type A mutual funds include stock, treasury note and repurchase products while Type B mutual funds consist of treasury
note and repurchase products.
Repurchases
It is a transaction of selling securities with a commitment to buy them back at a certain maturity. Repurchase sales involve selling
securities to a customer and receiving money therefrom. Repurchase buying is the return of securities previously sold to the
customer.
Repurchase transactions are effected on state bonds, treasury notes, bank bonds and bank-guaranteed bonds, borrowing notes,
private sector bonds, private sector commercial papers and revenue partnership securities.
TB / GB
Treasury Bills are borrowing notes issued by the government to raise funds with a term shorter than one year while Government
Bonds are ones with a term longer than one year.
Eurobonds
Long-term coupon-payment bonds issued in a foreign currency to oversea markets by companies or governments.
Stocks
Our Bank allows for its customers to effect trading transactions for stocks as capital markets instruments by opening an account
through our Bank’s branches.
Derivative Products
Derivative products are financial instruments with a value based on another asset (foreign currency, treasury bill, government bond, indexes, interest, commodity, credibility etc.).
Forward
Forward is an agreement governing the purchase or sale of a currency at a predetermined term and exchange rate against
another currency. This product removes uncertainty for companies with term cash inflows-outflows with a term. The exchange
rate, thus the amount applicable at the maturity is predetermined. In practice, forward currency transactions are made to protect
operating profits of our customers from fluctuations of foreign currency markets.
DCD
This is a structured product consisting of a combination of option and deposit transactions intended to get higher yield when
interest rates are dropping. The yield of the transaction is the sum of the option premium and the deposit interest yield. It is an
agreement based on the sale to the bank, against a premium, of the right to purchase or sell at a certain price and for a certain
maturity an asset being the subject of the option, and on a deposit transaction made in the same amount and for the same
certain maturity. It involves the risk of getting the principal existing at the beginning back in other currency at the maturity.
SWAP
It is a swap agreement made by the parties to exchange interests or the kinds of the foreign currencies.
Swap transactions are made for protection from risks resulting from changes in interest rates and exchange rates.
With an interest swap, the parties swap the interest other than the principal to access lower-interest rate loans.
With a foreign currency swap, the parties exchange different foreign currencies of equal value at the exchange rate set in the
transaction, at such rates and on such conditions previously agreed upon by them.
Swap transactions are not made at organized markets.
Option
This is an agreement made to purchase from or sell to one of the parties the right to purchase or sell a certain amount of assets
at a certain price and for a certain maturity. It provides a right to the purchaser while binding the seller with an obligation. The
party selling his right to purchase (call) or sell (put) gets a premium as the cost of this transaction and the purchaser has the
discretion to exercise the right so purchased. Options meet expectations of protection against market risks or increase of yield
by taking risks, depending on the direction of the transaction.
Private Sector Securities
Banks/ Private sector companies issue medium or long term debt securities to provide fund.
The owners of the securities does not entitle any partnership. Securities just provide the right to receive until the maturity.
