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 |
70,036 |
78,070 |
87,275 |
103,126 |
118,288 | 124,762 | 146,614 | 155,030 | 156,560 | 166,698 |
| Deposits3 |
87,866 |
95,825 |
104,503 |
117,683 |
130,474 | 151,029 | 170,610 | 192,731 | 205,290 | 219,996 |
| Loans / Deposits |
79.7% |
81.5% |
83.5% |
87.6% |
90.7% | 82.6% | 85.9% | 80.4% | 76.3% | 75.8% |
| 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% | 14.85% |
| Tier 1 ratio |
13.74% |
13.70% |
15.77% |
14.74% |
14.41% | 16.91% | 14.41% | 14.72% | 16.02% | 13.76% |
| 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 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 | 3Q 2022 | 4Q 2022 | 1Q 2023 | 2Q 2023 | 3Q 2023 | 4Q 2023 | 1Q 2024 | 2Q 2024 | 3Q 2024 | 4Q 2024 | |
| Total income1 |
723 |
2,320 |
2,458 |
2,637 |
2,667 | 2,916 | 2,760 | 2,702 | 2,917 | 2,900 | |
| Total expenses incl. banking tax |
-987 |
-858 |
-1,161 |
-1,016 |
-1,024 | -1,143 | -1,276 | -1,157 | -1,139 | -1,126 | |
| Net income |
-318 | 665 | 909 | 1,099 | 1,162 | 1,271 | 993 | 965 | 1,102 | 1,309 | |
| Loans2 |
154,410 | 155,030 | 156,101 | 156,255 | 158,127 | 156,560 | 158,453 | 161,411 | 164,641 | 166,698 | |
| Deposits3 |
186,581 | 192,731 | 201,652 | 199,740 | 202,417.4 | 205,290 | 214,126 | 213,541 | 216,293 | 219,996 | |
| Loans / Deposits |
82.8% | 80.4% | 77.4% | 78.2% | 78.1% | 76.3% | 74.0% | 75,6% | 76.1% | 75.8% | |
| Cost / Income |
136.5% | 37.0% | 47.2% | 38.5% | 38.4% | 39.2% | 46.2% | 42,8% | 39.0% | 38.8% | |
| ROE (adjusted for MCFH)4 |
10.3% | 10.2% | 10.7% | 13.5% | 21.0% | 22.9% | 22.0% | 21,1% | 20,5% | 20.4% | |
| ROA5 |
0.83% | 0.81% | 0.85% | 1.07% | 1.71% | 1.93% | 1.91% | 1.82% | 1.75% | 1.73% | |
| Total capital ratio |
14.43% | 16.22% | 16.37% | 16.95% | 16.56% | 17.41% | 16.95% | 15.42% | 14.98% | 14.85% | |
| Tier 1 ratio |
12.90% | 14.72% | 14.86% | 15.47% | 15.05% | 16.02% | 15.65% | 14.20% | 13.81% | 13.76% | |
| Book value per share (PLN) |
57.1 | 71.8 | 86.4 | 99.6 | 116.7 | 128.6 | 134.1 | 108.9 | 124.7 | 132.0 | |
| Earnings per share (PLN) |
-9.76 | 20.45 | 27.95 | 33.79 | 35.73 | 39.08 | 30.53 | 29.67 | 33.88 | 40.25 |
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
- 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