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	2Q 2022	3Q 2022	4Q 2022	1Q 2023	2Q 2023	3Q 2023	4Q 2023	1Q 2024	2Q 2024	3Q 2024
Total income¹	2,374.6	722.4	2,321.2	2,457.9	2,637.3	2,667.9	2,914.5	2,760.5	2,701.3	2 918,2
Total expenses incl. banking tax	-1,361.4	-986.4	-858.1	-1,160.9	-1,016.2	-1,024.5	-1,142.8	-1,275.9	-1,157.6	-1 138.4
Net income	573.0	-317.3	665.9	908.7	1,099.4	1,162.0	1,270.8	993.3	964.7	964.7
Loans²	152,180.9	154,410.6	155,029.2	156,101.1	156,255.7	158,126.4	156,559.3	158,452.6	161,410.7	164 640.4
Deposits³	185,095.1	186,580.5	192,731,3	201,651.9	199,740.2	202,417.4	205,289.9	214,125.8	213,541.5	216 292.9
Loans / Deposits	82.2%	82.8%	80.4%	77.4%	78.2%	78.1%	76.3%	74.0%	75,6%	76.1%
Cost / Income	57.3%	136.5%	37.0%	47.2%	38.5%	38.4%	39.2%	46.2%	42,9%	39.0%
ROE (adjusted for MCFH)⁴	16.1%	10.3%	10.2%	10.7%	13.5%	21.0%	22.9%	22.0%	21,1%	20,5%
ROA⁵	1.31%	0.83%	0.81%	0.85%	1.07%	1.71%	1.93%	1.91%	1,82%	1.75%
Total capital ratio	14.72%	14.43%	16.22%	16.37%	16.95%	16.56%	16.73%	16.95%	15,42%	14.98%
Tier 1 ratio	13.16%	12.90%	14.72%	14.86%	15.47%	15.05%	15.32%	15.65%	14,20%	13.81%
Book value per share (PLN)	59.3	57.1	71.8	86.4	99.6	116.7	128.6	134.0	108,9	124.7
Earnings per share (PLN)	17.62	-9.76	20.47	27.94	33.80	35.73	39.07	30.54	29,66	33.88

¹Including 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

Yearly data

Quarterly data

Share price performance

1D 1W 1M 3M 6M 1Y 3Y

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