Financial results
Comparable data
Yearly
| mln PLN | 2012 |
2013 |
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
| Total income1 |
3 245,1 |
3 328,5 |
3 544,8 |
3 778,1 |
4 324,5 |
4 769,1 |
5 232,4 |
5 796,4 | 6 230,7 | 6 896,9 |
| Total expenses |
1 866,2 |
1 868,4 |
1 929,7 |
2 155,7 |
2 099,2 |
2 135,8 |
2 326,8 |
2 497,4 | 2 762,5 | 2 964,5 |
| Net income |
832,3 |
961,5 |
1 040,7 |
1 127,0 |
1 253,0 |
1 403,1 |
1 523,8 |
1 658,7 | 1 337,6 | 2 308,3 |
| Loans2 |
45 205,6 |
48 552,1 |
57 130,9 |
68 681,0 |
78 069,5 |
87 255,5 |
103 125,8 |
118 288,1 | 124 761,5 | 146 614,4 |
| Deposits |
57 898,4 |
67 547,9 |
75 658,9 |
87 818,5 |
95 825,4 |
104 503,3 |
117 682,5 |
130 473,5 | 151 028,5 | 170 609,9 |
| Loans / Deposits |
78,1% |
71,9% |
75,5% |
78,2% |
81,5% |
83,5% |
87,6% |
90,7% | 82,6% | 85,9% |
| Cost / Income |
57,5% |
56,1% |
54,4% |
57,1% |
48,5% |
44,8% |
44,5% |
43,1% | 44,3% | 43,0% |
| ROE |
11,7% |
11,6% |
11,1% |
11,0% |
11,7% |
12,6% |
12,4% |
11,6% | 7,6% | 13,6% |
| ROA |
1,14% |
1,17% |
1,10% |
1,07% |
1,10% |
1,16% |
1,15% |
1,10% | 0,76% | 1,18% |
| Total capital ratio |
14,55% |
17,28% |
14,17% |
13,74% |
14,73% |
16,71% |
15,58% |
16,87% | 19,52% | 16,05% |
| Tier 1 ratio |
14,55% |
17,28% |
14,17% |
13,74% |
13,70% |
15,77% |
14,74% |
14,41% | 16,91% | 14,41% |
| Book value per share (PLN) |
62,5 |
66,3 |
80,4 |
82,1 |
80,5 |
88,7 |
102,4 |
117,0 | 143,1 | 104,0 |
| Earnings per share (PLN) |
6,40 |
7,39 |
8,00 |
8,66 |
9,63 |
10,78 |
11,71 |
12,75 | 10,28 | 17,74 |
1 Including share in subsidiaries profits
2 Net loans and other receivables from customers, excluding Eurobond portfolio
Quarterly
| mln PLN | 1Q 2020 | 2Q 2020 | 3Q 2020 | 4Q 2020 | 1Q 2021 | 2Q 2021 | 3Q 2021 | 4Q 2021 | 1Q 2022 |
| Total income1 |
1 562,7 |
1 512,1 |
1 552,1 |
1 603,8 |
1 601,7 |
1 659,5 |
1 751,9 |
1 883,8 |
2 304,0 |
| Total expenses |
775,0 |
641,5 |
666,7 |
682,3 |
820,8 |
692,0 |
694,2 |
757,5 |
931,4 |
| Net income |
267,3 | 316,2 | 440,2 | 313,9 | 385,6 | 615,3 | 638,4 | 669,0 | 792,8 |
| Loans2 |
123 608,4 | 120 831,5 | 122 601,8 | 124 761,5 | 129 553,4 | 133 863,1 | 141 256,1 | 146 614,4 | 149 782,6 |
| Deposits |
139 089,2 | 150 979,3 | 154 399,8 | 151 028,5 | 158 931,1 | 161 998,3 | 164 586,3 | 170 609,9 | 171 571,7 |
| Loans / Deposits |
88,9% | 80,0% | 79,4% | 82,6% | 81,5% | 82,6% | 85,8% | 85,9% | 87,3% |
| Cost / Income |
49,6% | 42,4% | 43,0% | 42,5% | 51,2% | 41,7% | 39,6% | 40,2% | 40,4% |
| ROE |
6,6% | 7,1% | 9,6% | 6,7% | 8,5% | 13,9% | 14,5% | 17,3% | 25,7% |
| ROA |
0,65% | 0,72% | 0,96% | 0,68% | 0,81% | 1,26% | 1,28% | 1,33% | 1,54% |
| Total capital ratio |
15,76% | 18,31% | 18,64% | 19,52% | 18,80% | 18,54% | 17,65% | 16,05% | 15,20% |
| Tier 1 ratio |
13,25% | 15,78% | 16,04% | 16,91% | 16,28% | 16,20% | 15,41% | 14,41% | 13,43% |
| Book value per share (PLN) |
133,3 | 140,2 | 142,9 | 143,1 | 135,0 | 137,3 | 134,1 | 104,0 | 85,7 |
| Earnings per share (PLN) |
8,22 | 9,72 | 13,53 | 9,65 | 11,86 | 18,92 | 19,63 | 20,57 | 24,38 |
1 Including share in subsidiaries profits
2 Net loans and other receivables from customers, excluding Eurobond portfolio
Share price performance
| Applicable WSE indices |
WIG, mWIG40, WIG-Banki, WIG-ESG |
| LEI |
259400YLRTOBISHBVX41 |
| ISIN |
PLBSK0000017 |
| FISN |
INGBSK/BRSH SER-B PLN1.0 |
| WSE ticker |
ING |
| Bloomberg / Reuters |
ING PW / INGP.WA |
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Investor Relations Bureau
e-mail: investor@ing.pl
tel.: +48 (22) 820 44 16
Address:
ul. Puławska 2, 02-566 Warsaw, Poland