Investorrelations

Information from the Investor Relations Bureau of ING Bank Śląski S.A.

Key figures

ING Bank Śląski Group – factsheet

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Strategy of ING Bank Śląski S.A.

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Results presentation

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Key figures of ING Bank Śląski S.A.

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Financial results

2023 Annual report

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Q4'23 preliminary results

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2023 integrated report

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Comparable data

Yearly

x
mln PLN

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

Total income1

3,544.8

3,778.1

4,324.5

4,769.1

5,232.4

5,796.4 6,230.7 6,896.9 7,722.2 10,677.6

Total expenses incl. banking tax

-1,929.7

-2,155.7

-2,379.4

-2,456.9

-2,700.6

-2,933.1 -3,244.1 -3 509.2 -4,289.0 -4,344.4

Net income

1,040.7

1,127.0

1,253.0

1,403.1

1,523.8

1,658.7 1,337.6 2,308.3 1,714.4 4,440.9

Loans2

57,238.0

70,035.9

78,069.5

87,274.6

103,125.8

118,288.1 124,761.5 146,614.4 155,029.2 156,559.3

Deposits3

75,688.6

87,866.5

95,825.4

104,503.3

117,682.5

130,473.5 151,028.5 170,609.9 192,731.3 205,289.9

Loans / Deposits

75.6%

79.7%

81.5%

83.5%

87.6%

90.7% 82.6% 85.9% 80.4% 76.3%

Cost / Income

54.4%

57.1%

55.0%

51.5%

51.6%

50.6% 52.1% 50.9% 55.5% 40.7%

ROE (adjusted for MCFH)4

11.9%

12.2%

12.8%

13.0%

12.8%

12.9% 9.4% 14.4% 10.2% 22.9%

ROA5

1.07%

1.07%

1.10%

1.16%

1.15%

1.10% 0.76% 1.18% 0.81% 1.93%

Total capital ratio

14.17%

13.74%

14.73%

16.71%

15.58%

16.87% 19.52% 16.05% 16.22% 16.73%

Tier 1 ratio

14.17%

13.74%

13.70%

15.77%

14.74%

14.41% 16.91% 14.41% 14.72% 15.32%

Book value per share (PLN)

80.4

82.1

80.5

88.7

102.4

117.0 143.1 104.0 71.8 128.6

Earnings per share (PLN)

8.00

8.66

9.63

10.78

11.71

12.75 10.28 17.74 13.18 34.13

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

x
mln PLN 4Q 2021 1Q 2022 2Q 2022 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 4Q 2023

Total income1

1,883.8

2,304.0

2,374.6

722.4

2,321.2

2,457.9

2,637.3

2,667.9 2,914.5

Total expenses incl. banking tax

-907.2

-1,083.1

-1,361.4

-986.4

-858.1

-1,160.9

-1,016.2

-1,024.5 -1,142.8

Net income

669.0 792.8 573.0 -317.3 665.9 908.7 1,099.4 1,162.0 1,270.8

Loans2

146,614.4 149,782.6 152,180.9 154,410.6 155,029.2 156,101.1 156,255.7 158,126.4 156,559.3

Deposits3

170,609.9 174,661.9 185,095.1 186,580.5 192,731,3 201,651.9 199,740.2 202,417.4 205,289.9

Loans / Deposits

85.9% 85.8% 82.2% 82.8% 80.4% 77.4% 78.2% 78.1% 76.3%

Cost / Income

48.2% 47.0% 57.3% 136.5% 37.0% 47.2% 38.5% 38.4% 39.2%

ROE (adjusted for MCFH)4

14.4% 16.5% 16.1% 10.3% 10.2% 10.7% 13.5% 21.0% 22.9%

ROA5

1.18% 1.35% 1.31% 0.83% 0.81% 0.85% 1.07% 1.71% 1.93%

Total capital ratio

16.05% 15.42% 14.72% 14.43% 16.22% 16.37% 16.95% 16.56% 16.73%

Tier 1 ratio

14.41% 13.81% 13.16% 12.90% 14.72% 14.86% 15.47% 15.05% 15.32%

Book value per share (PLN)

104.0 85.7 59.3 57.1 71.8 86.4 99.6 116.7 128.6

Earnings per share (PLN)

20.57 24.38 17.62 -9.76 20.47 27.94 33.80 35.73 39.07

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

​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

  • 17.04.2024 - the date of record
  • 06.05.2024 - payment date
  • 06.05.2024 - Report for Q1 2024
  • 01.08.2024 - Report for Q2 2024
  • 31.10.2024 - Report for Q3 2024

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Contact us

Investor Relations, ESG Reporting and Market Research Bureau

e-mail: investor@ing.pl

tel.: +48 (22) 820 44 16

Address:
ul. Puławska 2, 02-566 Warsaw, Poland

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