Current reports
11.08.2025 – Registration of amendments to the Charter of ING Bank Śląski S.A.
Enclosure 1
Enclosure 2
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.
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 |
72,520 |
81,980 |
87,255 |
103,126 |
118,288 | 124,761 | 146,614 | 155,030 | 156,560 | 165,658 |
| Deposits3 |
87,866 |
95,825 |
104,503 |
117,683 |
130,474 | 151,029 | 170,610 | 192,731 | 205,290 | 219,996 |
| Loans / Deposits |
82.5% |
85.6% |
83.5% |
87.6% |
90.7% | 82.6% | 85.9% | 80.4% | 76.3% | 75.3% |
| 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 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 | 1Q 2023 | 2Q 2023 | 3Q 2023 | 4Q 2023 | 1Q 2024 | 2Q 2024 | 3Q 2024 | 4Q 2024 | 1Q 2025 | 2Q 2025 | |
| Total income1 |
2,458 |
2,637 |
2,667 | 2,916 | 2,760 | 2,702 | 2,917 | 2,900 | 2,919 | 2,920 | |
| Total expenses incl. banking tax |
-1,161 |
-1,016 |
-1,024 | -1,143 | -1,276 | -1,157 | -1,139 | -1,126 | -1,398 | -1,253 | |
| Net income |
909 | 1,099 | 1,162 | 1,271 | 993 | 965 | 1,102 | 1,309 | 1,014 | 1,135 | |
| Loans2 |
156,101 | 156,255 | 158,127 | 156,560 | 158,453 | 161,411 | 163,316 | 165,658 | 168,145 | 172,232 | |
| Deposits3 |
192,426 | 188,846 | 201,951 | 205,290 | 214,126 | 211,543 | 212,068 | 219,996 | 223,239 | 225,631 | |
| Loans / Deposits |
81.1% | 82.7% | 78.3% | 76.3% | 74.0% | 76.3% | 77.0% | 75.3% | 75.3% | 76.3% | |
| Cost / Income |
47.2% | 38.5% | 38.4% | 39.2% | 46.2% | 42.8% | 39.0% | 38.8% | 47.9% | 42.9% | |
| ROE (adjusted for MCFH)4 |
10.7% | 13.5% | 21.0% | 22.9% | 22.0% | 21.1% | 20.5% | 20.4% | 20.2% | 21.4% | |
| ROA5 |
0.85% | 1.07% | 1.71% | 1.93% | 1.91% | 1.82% | 1.75% | 1.73% | 1.71% | 1.73% | |
| Total capital ratio |
16.37% | 16.95% | 16.56% | 17.41% | 16.95% | 15.42% | 14.98% | 15.67% | 16.14% | 15.66% | |
| Tier 1 ratio |
14.86% | 15.47% | 15.05% | 16.02% | 15.65% | 14.20% | 13.81% | 14.58% | 15.10% | 14.69% | |
| Book value per share (PLN) |
86.4 | 99.6 | 116.7 | 128.6 | 134.1 | 108.9 | 124.7 | 132.0 | 144.6 | 135.4 | |
| Earnings per share (PLN) |
27.95 | 33.79 | 35.73 | 39.08 | 30.53 | 29.67 | 33.88 | 40.25 | 31.18 | 34.90 |
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
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