Invitation to the conference - publication of ING Bank Śląski results for the fourth quarter of 2024
We invite you to the broadcast of the meeting related to the planned publication of financial results for the fourth quarter of 2024. The broadcast will take place on Thursday, February 6, 2025 at 11:00 a.m.
Financial results
Current reports
19.12.2024 – No capital add-on recommended under Pillar 2 (P2G) for ING Bank Śląski S.A.
17.12.2024 – Information on the buy-back of the 4th tranche of own shares and the completion of the buy-back.
Enclosure
11.12.2024 – Information on the buy-back of the 4th tranche of own shares.
Enclosure
05.11.2024 – Interim reporting dates in 2025.
09.10.2024 – Conclusion of a non-preferred senior loan agreement (NPS) for MREL requirements.
19.09.2024 – Registration of amendments to the Charter of ING Bank Śląski S.A.
3.09.2024 – Change on the Management Board of ING Bank Śląski S.A.
Enclosure
Comparable data
Yearly
Yearly
| 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
Quarterly
| 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 |
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
- 06.02.2025 - Report for Q4 2024
- 07.03.2025 - Annual report for 2024
- 08.05.2025 - Report for Q1 2025
- 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:
ul. Puławska 2, 02-566 Warsaw, Poland