Financial results
Current reports
31.05.2023 – Information on the buy-back of the 1st tranche of own shares.
Enclosure
17.05.2023 – Information on the buy-back of the 1st tranche of own shares.
Enclosure 1
Enclosure 2
17.05.2023 – Change to the share in the total number of votes above 5% at the Bank General Meeting by Allianz OFE.
Enclosure
Comparable data
Yearly
| mln PLN | 2012 |
2013 |
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
| Total income1 |
3 245,1 |
3 328,5 |
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 |
| Total expenses |
1 866,2 |
1 868,4 |
1 929,7 |
2 155,7 |
2 099,2 |
2 135,8 |
2 326,8 |
2 497,4 | 2 762,5 | 2 964,5 | 3 642,1 |
| Net income |
832,3 |
961,5 |
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 |
| Loans2 |
45 205,6 |
48 552,1 |
57 130,9 |
68 681,0 |
78 069,5 |
87 255,5 |
103 125,8 |
118 288,1 | 124 761,5 | 146 614,4 | 155 029,2 |
| Deposits |
57 898,4 |
67 547,9 |
75 658,9 |
87 818,5 |
95 825,4 |
104 503,3 |
117 682,5 |
130 473,5 | 151 028,5 | 170 609,9 | 192 731,3 |
| Loans / Deposits |
78,1% |
71,9% |
75,5% |
78,2% |
81,5% |
83,5% |
87,6% |
90,7% | 82,6% | 85,9% | 80,4% |
| Cost / Income |
57,5% |
56,1% |
54,4% |
57,1% |
48,5% |
44,8% |
44,5% |
43,1% | 44,3% | 43,0% | 47,2% |
| ROE |
11,7% |
11,6% |
11,1% |
11,0% |
11,7% |
12,6% |
12,4% |
11,6% | 7,6% | 13,6% | 17,4% |
| ROA |
1,14% |
1,17% |
1,10% |
1,07% |
1,10% |
1,16% |
1,15% |
1,10% | 0,76% | 1,18% | 0,81% |
| Total capital ratio |
14,55% |
17,28% |
14,17% |
13,74% |
14,73% |
16,71% |
15,58% |
16,87% | 19,52% | 16,05% | 16,22% |
| Tier 1 ratio |
14,55% |
17,28% |
14,17% |
13,74% |
13,70% |
15,77% |
14,74% |
14,41% | 16,91% | 14,41% | 14,72% |
| Book value per share (PLN) |
62,5 |
66,3 |
80,4 |
82,1 |
80,5 |
88,7 |
102,4 |
117,0 | 143,1 | 104,0 | 71,8 |
| Earnings per share (PLN) |
6,40 |
7,39 |
8,00 |
8,66 |
9,63 |
10,78 |
11,71 |
12,75 | 10,28 | 17,74 | 13,18 |
1 Including share in subsidiaries profits
2 Net loans and other receivables from customers, excluding Eurobond portfolio
Quarterly
| mln PLN | 1Q 2021 | 2Q 2021 | 3Q 2021 | 4Q 2021 | 1Q 2022 | 2Q 2022 | 3Q 2022 | 4Q 2022 | 1Q 2023 |
| Total income1 |
1 601,7 |
1 659,5 |
1 751,9 |
1 883,8 |
2 304,0 |
2 374,6 |
722,4 |
2 321,2 |
2 460,2 |
| Total expenses |
820,8 |
692,0 |
694,2 |
757,5 |
931,4 |
1 200,1 |
821,6 |
689,0 |
1 004,6 |
| Net income |
385,6 | 615,3 | 638,4 | 669,0 | 792,8 | 573,0 | -317,3 | 665,9 | 908,7 |
| Loans2 |
129 553,4 | 133 863,1 | 141 256,1 | 146 614,4 | 149 782,6 | 152 180,9 | 154 410,6 | 155 029,2 | 156 101,1 |
| Deposits |
158 931,1 | 161 998,3 | 164 586,3 | 170 609,9 | 171 571,7 | 179 741,1 | 184 165,0 | 192 731,3 | 192 426,4 |
| Loans / Deposits |
81,5% | 82,6% | 85,8% | 85,9% | 87,3% | 84,7% | 83,8% | 80,4% | 81,1% |
| Cost / Income |
51,2% | 41,7% | 39,6% | 40,2% | 40,4% | 50,5% | 113,7% | 29,7% | 40,8% |
| ROE |
8,5% | 13,9% | 14,5% | 17,3% | 25,7% | 24,3% | -16,8% | 31,8% | 35,3% |
| ROA |
0,81% | 1,26% | 1,28% | 1,33% | 1,54% | 1,09% | -0,60% | 1,24% | 1,63% |
| Total capital ratio |
18,80% | 18,54% | 17,65% | 16,05% | 15,42% | 14,72% | 14,43% | 16,22% | 16,37% |
| Tier 1 ratio |
16,28% | 16,20% | 15,41% | 14,41% | 13,81% | 13,16% | 12,90% | 14,72% | 14,86% |
| Book value per share (PLN) |
135,0 | 137,3 | 134,1 | 104,0 | 85,7 | 59,3 | 57,1 | 71,8 | 86,4 |
| Earnings per share (PLN) |
11,86 | 18,92 | 19,63 | 20,57 | 24,38 | 17,62 | -9,76 | 20,47 | 27,94 |
1 Including share in subsidiaries profits
2 Net loans and other receivables from customers, excluding Eurobond portfolio
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 |
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Investor Relations Bureau
e-mail: investor@ing.pl
tel.: +48 (22) 820 44 16
Address:
ul. Puławska 2, 02-566 Warsaw, Poland