Invitation to the conference - publication of ING Bank Śląski results for the second quarter of 2025
We invite you to the broadcast of the meeting related to the planned publication of financial results for the second quarter of 2025. The broadcast will take place on Thursday, July 31, 2025 at 9:30 CET (8:30 UTC).
July 31, 2025 - Publication of ING Bank Śląski's results for the second quarter of 2025 - invitation to the conference
We invite you to the broadcast of the meeting related to the planned publication of financial results for the second quarter of 2025. The broadcast will take place on Thursday, July 31, 2025 at 9:30 CET (8:30 UTC). The broadcast will be available at this link.
Financial results will be published in the ESPI system on July 31, 2025, before the start of the session.
Current reports
10.07.2025 – Increase in the share in the total number of votes above 5% at the Bank General Meeting by Nationale-Nederlanden PTE S.A.
Enclosure
27.06.2025 – Resignation of a Member of the ING Bank Śląski S.A. Supervisory Board.
05.06.2025 – Adjustment of the information on the MREL requirement for ING Bank Śląski S.A.
29.05.2025 – Update of information on the MREL requirement for ING Bank Śląski S.A.
09.05.2025 – Registration of amendments to the Charter of ING Bank Śląski S.A.
Enclosure
29.04.2025 – Shareholders holding 5 per cent or more of votes at the ING Bank Śląski S.A. OGM.
29.04.2025 – Resolutions of the ING Bank Śląski S.A. GM.
Enclosure
29.04.2025 – Appointing the Bank Management Board for the new term of office.
Enclosure
29.04.2025 – Notice on dividend payout for 2024.
1.04.2025 – Convocation of the Ordinary General Meeting and draft resolutions.
Notice
Resolutions
Charter
Documents
31.03.2025 – Notification of acquisition transactions in financial instruments made by persons discharging managerial responsibilities.
Enclosure
31.03.2025 – Increase in the share in the total number of votes above 5% at the Bank General Meeting by Nationale-Nederlanden PTE S.A.
Enclosure
Comparable data
Yearly
Yearly
| mln PLN | 2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
| Total income1 |
3,778 |
4,325 |
4,769 |
5,232 |
5,796 | 6,232 | 6,897 | 7,722 | 10,678 | 11,279 |
| Total expenses incl. banking tax |
-2,156 |
-2,379 |
-2,457 |
-2,701 |
-2,933 | -3,245 | -3,510 | -4,289 | -4,344 | -4,698 |
| Net income |
1,127 |
1,253 |
1,403 |
1,524 |
1,659 | 1,338 | 2,308 | 1,714 | 4,441 | 4,369 |
| Loans2 |
70,036 |
78,070 |
87,275 |
103,126 |
118,288 | 124,762 | 146,614 | 155,030 | 156,560 | 166,698 |
| Deposits3 |
87,866 |
95,825 |
104,503 |
117,683 |
130,474 | 151,029 | 170,610 | 192,731 | 205,290 | 219,996 |
| Loans / Deposits |
79.7% |
81.5% |
83.5% |
87.6% |
90.7% | 82.6% | 85.9% | 80.4% | 76.3% | 75.8% |
| Cost / Income |
57.1% |
55.0% |
51.5% |
51.6% |
50.6% | 52.1% | 50.9% | 55.5% | 40.7% | 41.7% |
| ROE (adjusted for MCFH)4 |
12.2% |
12.8% |
13.0% |
12.8% |
12.9% | 9.4% | 14.4% | 10.2% | 22.9% | 20.4% |
| ROA5 |
1.07% |
1.10% |
1.16% |
1.15% |
1.10% | 0.76% | 1.18% | 0.81% | 1.93% | 1.73% |
| Total capital ratio |
13.74% |
14.73% |
16.71% |
15.58% |
16.87% | 19.52% | 16.05% | 16.22% | 17.41% | 15.67% |
| Tier 1 ratio |
13.74% |
13.70% |
15.77% |
14.74% |
14.41% | 16.91% | 14.41% | 14.72% | 16.02% | 14.58% |
| Book value per share (PLN) |
82.1 |
80.5 |
88.7 |
102.4 |
117.0 | 143.1 | 104.0 | 71.8 | 128.6 | 132.0 |
| Earnings per share (PLN) |
8.66 |
9.63 |
10.78 |
11.71 |
12.75 | 10.28 | 17.74 | 13.17 | 34.14 | 33.58 |
1 Including net profit of affiliated entities recognised on an equity basis.
2 Net Loans and receivables to customers at amortised cost including loans mandatorily measured at fair value through profit or loss.
3 Depsoits and other liabilities due to customers
4 ROE (adjusted for MCFH) = total net profit for 4 consecutive quarters / average equity for 5 subsequent quarters
5 ROA = total net profit for 4 consecutive quarters / average assets for 5 subsequent quarters
Quarterly
Quarterly
| mln PLN | 4Q 2022 | 1Q 2023 | 2Q 2023 | 3Q 2023 | 4Q 2023 | 1Q 2024 | 2Q 2024 | 3Q 2024 | 4Q 2024 | 1Q 2025 | |
| Total income1 |
2,320 |
2,458 |
2,637 |
2,667 | 2,916 | 2,760 | 2,702 | 2,917 | 2,900 | 2,919 | |
| Total expenses incl. banking tax |
-858 |
-1,161 |
-1,016 |
-1,024 | -1,143 | -1,276 | -1,157 | -1,139 | -1,126 | -1,398 | |
| Net income |
665 | 909 | 1,099 | 1,162 | 1,271 | 993 | 965 | 1,102 | 1,309 | 1,014 | |
| Loans2 |
155,030 | 156,101 | 156,255 | 158,127 | 156,560 | 158,453 | 161,411 | 164,641 | 166,698 | 171, 863 | |
| Deposits3 |
192,731 | 201,652 | 199,740 | 202,417.4 | 205,290 | 214,126 | 213,541 | 216,293 | 219,996 | 227, 994 | |
| Loans / Deposits |
80.4% | 77.4% | 78.2% | 78.1% | 76.3% | 74.0% | 75,6% | 76.1% | 75.8% | 75,4% | |
| Cost / Income |
37.0% | 47.2% | 38.5% | 38.4% | 39.2% | 46.2% | 42.8% | 39.0% | 38.8% | 47.9% | |
| ROE (adjusted for MCFH)4 |
10.2% | 10.7% | 13.5% | 21.0% | 22.9% | 22.0% | 21.1% | 20.5% | 20.4% | 20.2% | |
| ROA5 |
0.81% | 0.85% | 1.07% | 1.71% | 1.93% | 1.91% | 1.82% | 1.75% | 1.73% | 1.71% | |
| Total capital ratio |
16.22% | 16.37% | 16.95% | 16.56% | 17.41% | 16.95% | 15.42% | 14.98% | 15.67% | 16.14% | |
| Tier 1 ratio |
14.72% | 14.86% | 15.47% | 15.05% | 16.02% | 15.65% | 14.20% | 13.81% | 14.58% | 15.10% | |
| Book value per share (PLN) |
71.8 | 86.4 | 99.6 | 116.7 | 128.6 | 134.1 | 108.9 | 124.7 | 132.0 | 144.6 | |
| Earnings per share (PLN) |
20.45 | 27.95 | 33.79 | 35.73 | 39.08 | 30.53 | 29.67 | 33.88 | 40.25 | 31.18 |
1 Including net profit of affiliated entities recognised on an equity basis.
2 Net Loans and receivables to customers at amortised cost including loans mandatorily measured at fair value through profit or loss.
3 Depsoits and other liabilities due to customers
4 ROE (adjusted for MCFH) = total net profit for 4 consecutive quarters / average equity for 5 subsequent quarters
5 ROA = total net profit for 4 consecutive quarters / average assets for 5 subsequent quarters
Share price performance
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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
Calendar
- 31.07.2025 - Report for Q2 2025
- 30.10.2025 - Report for Q3 2025
See more
Contact us
Investor Relations, ESG Reporting and Market Research Bureau
e-mail: investor@ing.pl
tel.: +48 (22) 820 44 16
Address:
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