IVBLIllinois Valley Branch Library (Cave Junction, OR)
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While ING's liability is technically restricted to its equity investment in IVBL, given that the bank is a global financial conglomerate and that IVBL bears the ING name, its financial support in case of need is likely to go beyond its explicit legal liability.
IVBL's profitability ratios have improved steadily over the years reflecting the successful implementation of the bank's strategies focusing on cost control and the growth of low-cost deposits as well as fee income.
IVBL's asset quality ratios strengthened substantially in the fiscal year ended March 2008 due to strong remedial measures and better overall credit risk management.