Invitation to the conference - publication of ING Bank Śląski's results for the third quarter of 2026
We invite you to the broadcast of the meeting related to the planned publication of financial results for the third quarter of 2026. The broadcast will take place on Thursday, October 29, 2026 at 11:00 CET (10:00 UTC).
Read moreOctober 29, 2026 - Publication of ING Bank Śląski's results for the third quarter of 2026 - invitation to the conference
We invite you to the broadcast of the meeting related to the planned publication of financial results for the third quarter of 2026. The broadcast will take place on Thursday, October 29, 2026 at 11:00 CET (10:00 UTC). The broadcast will be available at this link. Below is also the consensus expectation for Q3 2026 results.
Financial results will be published in the ESPI system on October 29, 2026, before the start of the session.
Key figures
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ING Bank Śląski Group – factsheet
Download (PDF) -
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Results presentation
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Key figures of ING Bank Śląski S.A.
Download (XLS)
Report from the strategic conference
Financial results
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Q2'26 quarterly results
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Q1'26 quarterly results
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2025 annual results
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Q3'25 quarterly results
Current reports
01.07.2026 – Notification of transactions in financial instruments made by persons discharging managerial responsibilities. (PDF)
Enclosure (PDF)
05.05.2026 – Registration of amendments to the Charter of ING Bank Śląski S.A. (PDF)
Enclosure (PDF)
04.05.2026 – Notification of transactions in financial instruments made by persons discharging managerial responsibilities. (PDF)
Enclosure (PDF)
16.04.2026 – Shareholders holding 5 per cent or more of votes at the ING Bank Śląski S.A. OGM. (PDF)
16.04.2026 – Resolutions of the ING Bank Śląski S.A. GM. (PDF)
Enclosure (PDF)
Comparable data
Yearly
| mln PLN |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
2025 |
|
Total income1 |
4,325201 |
4,769 |
5,232 |
5,796 | 6,232 | 6,897 | 7,722 | 10,678 | 11,279 | 11,854 |
|
Total expenses incl. banking tax |
-2,379 |
-2,457 |
-2,701 |
-2,933 | -3,245 | -3,510 | -4,289 | -4,344 | -4,698 | -5,085 |
|
Net income |
1,253 |
1,403 |
1,524 |
1,659 | 1,338 | 2,308 | 1,714 | 4,441 | 4,369 | 4,633 |
|
Loans2 |
81,980 |
87,255 |
103,126 |
118,288 | 124,761 | 146,614 | 155,030 | 156,560 | 165,658 | 177,005 |
|
Deposits3 |
95,825 |
104,503 |
117,683 |
130,474 | 151,029 | 170,610 | 192,731 | 205,290 | 219,996 | 233,356 |
|
Loans / Deposits |
85.6% |
83.5% |
87.6% |
90.7% | 82.6% | 85.9% | 80.4% | 76.3% | 75.3% | 76.6% |
|
Cost / Income |
55.0% |
51.5% |
51.6% |
50.6% | 52.1% | 50.9% | 55.5% | 40.7% | 41.7% | 42.9% |
|
ROE (adjusted for MCFH)4 |
12.8% |
13.0% |
12.8% |
12.9% | 9.4% | 14.4% | 10.2% | 22.9% | 20.4% | 20.8% |
|
ROA5 |
1.10% |
1.16% |
1.15% |
1.10% | 0.76% | 1.18% | 0.81% | 1.93% | 1.73% | 1.68% |
|
Total capital ratio |
14.73% |
16.71% |
15.58% |
16.87% | 19.52% | 16.05% | 16.22% | 17.41% | 15.67% | 14.98% |
|
Tier 1 ratio |
13.70% |
15.77% |
14.74% |
14.41% | 16.91% | 14.41% | 14.72% | 16.02% | 14.58% | 14.18% |
|
Book value per share (PLN) |
80.5 |
88.7 |
102.4 |
117.0 | 143.1 | 104.0 | 71.8 | 128.6 | 132.0 | 164.0 |
|
Earnings per share (PLN) |
9.63 |
10.78 |
11.71 |
12.75 | 10.28 | 17.74 | 13.17 | 34.14 | 33.58 | 35.61 |
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 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 2024 | 2Q 2024 | 3Q 2024 | 4Q 2024 | 1Q 2025 | 2Q 2025 | 3Q 2025 | 4Q 2025 | 1Q 2026 | 2Q2026 | |
| Total income1 | 2,760 | 2,702 | 2,917 | 2,900 | 2,919 | 2,920 | 2,958 | 3,057 | 3,047 | 3,228 | |
| Total expenses incl. banking tax | -1,276 | -1,157 | -1,139 | -1,126 | -1,398 | -1,253 | -1,246 | -1,188 | -1 485 | -1 322 | |
| Net income | 993 | 965 | 1,102 | 1,309 | 1,014 | 1,135 | 1,112 | 1,372 | 823 | 1,193 | |
| Loans2 | 156,545 | 159,842 | 161,655 | 163,460 | 166,242 | 170,093 | 172,632 | 177,005 | 180,872 | 185,571 | |
| Deposits3 | 211,340 | 209,157 | 210,156 | 218,148 | 221,180 | 223,650 | 230,214 | 233,356 | 242,489 | 258,330 | |
| Loans / Deposits | 74.0% | 76.3% | 77.0% | 75.3% | 75.3% | 76.3% | 75.3% | 76.6% | 75.3% | 72.6% | |
|
Cost / Income |
46.2% | 42.8% | 39.0% | 38.8% | 47.9% | 42.9% | 42.1% | 38.9% | 48.7% | 41.0% | |
| ROE (adjusted for MCFH)4 | 22.0% | 21.1% | 20.5% | 20.4% | 20.2% | 21.4% | 21.0% | 20.8% | 19.6% | 20.0% | |
| ROA5 | 1.91% | 1.82% | 1.75% | 1.73% | 1.71% | 1.73% | 1.69% | 1.68% | 1.57% | 1.54% | |
| Total capital ratio | 16.95% | 15.42% | 14.98% | 15.67% | 16.16% | 15.69% | 14.87% | 15.77% | 15.81% | 14.93% | |
| Tier 1 ratio | 15.65% | 14.20% | 13.81% | 14.58% | 15.12% | 14.72% | 13.99% | 14.97% | 14.24% | 13.46% | |
| Book value per share (PLN) | 134.1 | 108.9 | 124.7 | 132.0 | 144.6 | 135.4 | 147.2 | 164.0 | 158.2 | 151.3 | |
| Earnings per share (PLN) | 30.53 | 29.67 | 33.88 | 40.25 | 31.18 | 34.90 | 34.19 | 42.18 | 25.30 | 36.68 |
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, excl. repo transactions.
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