Investor Relations | ING Bank Śląski

Wersja polska

Information from the Investor Relations Bureau of ING Bank Śląski S.A.

Key figures

ING Bank Śląski Group – factsheet

Download

Strategy of ING Bank Śląski S.A.

Results presentation

Key figures of ING Bank Śląski S.A.

Download

Financial results

2024 results

Q3'24 quarterly results

Q2'24 quarterly results

Q1'24 quarterly results

See all of financial results

Current reports

1.04.2025 – Convocation of the Ordinary General Meeting and draft resolutions.
Notice
Resolutions
Charter
Documents

31.03.2025 – Notification of acquisition transactions in financial instruments made by persons discharging managerial responsibilities.
Enclosure

31.03.2025 – Increase in the share in the total number of votes above 5% at the Bank General Meeting by Nationale-Nederlanden PTE S.A.
Enclosure

27.03.2025 – Information on the buy-back of the 5th tranche of own shares and the completion of the buy-back.
Enclosure

26.03.2025 – Amount of annual contribution to the compulsory resolution fund of the BGF in 2025.

24.03.2025 – Notification of transactions in financial instruments made by persons discharging managerial responsibilities.
Enclosure

18.03.2025 – Details of the buy-back of the fifth tranche of own shares under the Bank's Identified Staff Incentive Scheme.

13.03.2025 – Individual recommendation from the Polish Financial Supervision Authority regarding satisfaction of criteria for dividend payout from the 2024 net profit.

Comparable data

Yearly

x

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

x

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

¹Including 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

Yearly data

Quarterly data

Share price performance

1D 1W 1M 3M 6M 1Y 3Y

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