Invitation to the conference - publication of ING Bank Śląski results for the first quarter of 2025
We invite you to the broadcast of the meeting related to the planned publication of financial results for the first quarter of 2025. The broadcast will take place on Thursday, May 8, 2025 at 11:00 a.m.
Current reports
29.04.2025 – Shareholders holding 5 per cent or more of votes at the ING Bank Śląski S.A. OGM.
29.04.2025 – Resolutions of the ING Bank Śląski S.A. GM.
Enclosure
29.04.2025 – Appointing the Bank Management Board for the new term of office.
Enclosure
29.04.2025 – Notice on dividend payout for 2024.
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
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
-
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
- 29.04.2025 - Ordinary General Meeting of the Bank
- 06.05.2025 - The date of record
- 08.05.2025 - Report for Q1 2025
- 12.05.2025 - Payment date
- 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