Key figures
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ING Bank Śląski Group – factsheet
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Results presentation
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Key figures of ING Bank Śląski S.A.
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Report from the strategic conference
Financial results
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Q3'26 quarterly results
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Q2'26 quarterly results
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Q1'26 quarterly results
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2025 annual 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 |
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Deposits3 |
95,825 |
104,503 |
117,683 |
130,474 | 151,029 | 170,610 | 192,731 | 205,290 | 219,996 | 233,356 |
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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% |
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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% |
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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 |
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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 | 2Q 2024 | 3Q 2024 | 4Q 2024 | 1Q 2025 | 2Q 2025 | 3Q 2025 | 4Q 2025 | 1Q 2026 | 2Q2026 | 3Q 2026 | |
| Total income1 | 2,702 | 2,917 | 2,900 | 2,919 | 2,920 | 2,958 | 3,057 | 3,047 | 3,228 | 3,159 | |
| Total expenses incl. banking tax | -1,157 | -1,139 | -1,126 | -1,398 | -1,253 | -1,246 | -1,188 | -1 485 | -1 322 | -1,340 | |
| Net income | 965 | 1,102 | 1,309 | 1,014 | 1,135 | 1,112 | 1,372 | 823 | 1,193 | 1 133 | |
| Loans2 | 159,842 | 161,655 | 164,316 | 167,099 | 170,900 | 173,477 | 177,826 | 181,678 | 186,376 | 189,498 | |
| Deposits3 | 209,157 | 210,156 | 218,148 | 221,180 | 223,650 | 230,214 | 233,356 | 242,489 | 258,330 | 264,690 | |
| Loans / Deposits | 76.3% | 77.0% | 75.7% | 75.7% | 76.7% | 75.6% | 77.0% | 75.7% | 72.9% | 72.5% | |
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Cost / Income |
42.8% | 39.0% | 38.8% | 47.9% | 42.9% | 42.1% | 38.9% | 48.7% | 41.0% | 42.4% | |
| ROE (adjusted for MCFH)4 | 21.1% | 20.5% | 20.4% | 20.2% | 21.4% | 21.0% | 20.8% | 19.6% | 20.0% | 19.7% | |
| ROA5 | 1.82% | 1.75% | 1.73% | 1.71% | 1.73% | 1.69% | 1.68% | 1.57% | 1.54% | 1.5% | |
| Total capital ratio | 15.42% | 14.98% | 15.67% | 16.16% | 15.69% | 14.87% | 15.77% | 15.81% | 15.48% | 15.09% | |
| Tier 1 ratio | 14.20% | 13.81% | 14.58% | 15.12% | 14.72% | 13.99% | 14.97% | 14.24% | 14.00% | 13.67% | |
| Book value per share (PLN) | 108.9 | 124.8 | 132.0 | 144.6 | 135.4 | 147.2 | 164.0 | 158.2 | 151.3 | 146.0 | |
| Earnings per share (PLN) | 29.67 | 33.88 | 40.25 | 31.18 | 34.90 | 34.19 | 42.18 | 25.30 | 36.68 | 34.83 |
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 and loans granted to banks, 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