Financial results
Current reports
02.08.2023 – Registration of amendments to the Charter of ING Bank Śląski S.A.
Enclosure
05.07.2023 – Notification of transactions in financial instruments made by persons discharging managerial responsibilities.
Enclosure
23.06.2023 – Information on the buy-back of the 1st tranche of own shares and on buy-back closure.
Enclosure
14.06.2023 – Information on the buy-back of the 1st tranche of own shares
Enclosure
12.06.2023 – Registration of amendments to the Charter of ING Bank Śląski S.A.
Enclosure
07.06.2023 – Information on the buy-back of the 1st tranche of own shares.
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 incl. banking tax |
-1,866.2 |
-1,868.4 |
-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 |
| 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 |
49,191.3 |
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 |
| Deposits3 |
57,898.4 |
67,981.4 |
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 |
| Loans / Deposits |
78.1% |
72.4% |
75.6% |
79.7% |
81.5% |
83.5% |
87.6% |
90.7% | 82.6% | 85.9% | 80.4% |
| Cost / Income |
57.5% |
56.1% |
54.4% |
57.1% |
55.0% |
51.5% |
51.6% |
50.6% | 52.1% | 50.9% | 55.5% |
| ROE (adjusted for MCFH)4 |
11.9% |
12.0% |
11.9% |
12.2% |
12.8% |
13.0% |
12.8% |
12.9% | 9.4% | 14.4% | 10.2% |
| ROA5 |
1.14% |
1.17% |
1.07% |
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 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
| mln PLN | 1Q 2021 | 2Q 2021 | 3Q 2021 | 4Q 2021 | 1Q 2022 | 2Q 2022 | 3Q 2022 | 4Q 2022 | 1Q 2023 | 2Q 2023 | 3Q 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 |
2,457.9 |
2,637.3 |
2,667.9 |
| Total expenses incl. banking tax |
-946.7 |
-822.9 |
-832.4 |
-907.2 |
-1,083.1 |
-1,361.4 |
-986.4 |
-858.1 |
-1,160.9 |
-1,016.2 |
-1,024.5 |
| Net income |
385.6 | 615.3 | 638.4 | 669.0 | 792.8 | 573.0 | -317.3 | 665.9 | 908.7 | 1,099.4 | 1,162.0 |
| 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 | 156,255.7 | 158,126.4; |
| Deposits3 |
158,931.1 | 161,998.3 | 164,586.3 | 170,609.9 | 174,661.9 | 185,095.1 | 186,580.5 | 192,731,3 | 201,651.9 | 199,740.2 | 202,417.4 |
| Loans / Deposits |
81.5% | 82.6% | 85.8% | 85.9% | 85.8% | 82.2% | 82.8% | 80.4% | 77.4% | 78.2% | 78.1% |
| Cost / Income |
59.1% | 49.6% | 47.5% | 48.2% | 47.0% | 57.3% | 136.5% | 37.0% | 47.2% | 38.5% | 38.4% |
| ROE (adjusted for MCFH)4 |
9.9% | 11.6% | 12.5% | 14.4% | 16.5% | 16.1% | 10.3% | 10.2% | 10.7% | 13.5% | 21.0% |
| ROA5 |
0.79% | 0.93% | 1.01% | 1.18% | 1.35% | 1.31% | 0.83% | 0.81% | 0.85% | 1.07% | 1.71% |
| Total capital ratio |
18.80% | 18.54% | 17.65% | 16.05% | 15.42% | 14.72% | 14.43% | 16.22% | 16.37% | 16.95% | 16.56% |
| Tier 1 ratio |
16.28% | 16.20% | 15.41% | 14.41% | 13.81% | 13.16% | 12.90% | 14.72% | 14.86% | 15.47% | 15.05% |
| Book value per share (PLN) |
135.0 | 137.3 | 134.1 | 104.0 | 85.7 | 59.3 | 57.1 | 71.8 | 86.4 | 99.6 | 116.7% |
| Earnings per share (PLN) |
11.86 | 18.92 | 19.63 | 20.57 | 24.38 | 17.62 | -9.76 | 20.47 | 27.94 | 33.80 | 35.73 |
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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