Dividends
Dividend policy
On 17 November 2025 the Supervisory Board has approved the ING Bank Śląski S.A. Dividend Policy as recommended by the Bank Management Board.
The key assumptions of the ING Bank Śląski S.A. Dividend Policy:
1. ING Bank Śląski S.A. endorses in the foreseeable future a stable process of dividend payout up to 75% of a yearly net profit of the Bank, in adherence to the rules of prudent management taking into account the development plans of the Bank and the Bank Group and the related capital needs and any and all regulatory requirements which the Bank shall comply with and taking into account the adopted Best Practice for GPW Listed Companies.
2. A proposal to pay a dividend in the amount higher than the dividend ratio referred to in point 1 is possible when it is justified by the financial standing of the Bank (e.g. from undivided profit from previous years or reserve capital allocated for dividend payments) and provided that all other requirements set out in the law, guidelines of the PFSA and the Policy are met.
3. The Dividend Policy endorses the option to pay dividend from the capital surplus over the minimum capital adequacy ratios and over the minimum capital ratios set for the Bank by the PFSA for dividend payout purposes, in particular:
- minimum common equity Tier 1 (CET1) at the level of 4.5% + 56.25% * P2R + combined buffer requirement[1] + P2G,
- minimum Tier 1 (T1) at the level of 6% + 75% * P2R + combined buffer requirement[1] + P2G,
- minimum total capital ratio (TCR) at the level of 8% + P2R + combined buffer requirement[1] + P2G,
where the footnote [1] means the combined buffer requirement binding in a year of dividend payment or the combined buffer requirement binding on a date indicated by the PFSA.
4. When deciding on the proposed amount of dividend payout, the Bank Management Board considers Polish Financial Supervision Authority’s stance on the banks’ dividend policy, which is subject to official announcement, as well as the following terms and conditions:
- the current financial standing of the Bank and the Bank Group, including limitations in the case of sustaining a financial loss or low profitability (low ROA/ROE),
- Bank's and Bank Group’s assumptions of the management strategy and risk management strategy,
- limitations under Article 56 of the Act on macroprudential supervision over the financial system and crisis management in the financial system of 5 August 2015,
- the need to adjust profits of the present period or unapproved annual profits recognised as own funds with foreseeable dividends, according to Article 26 of the EU Regulation No. 575/2013,
- macroeconomic environment.
Details
- Dividend policy of ING Bank Śląski S.A. (15 September 2016). (PDF)
- Update of the ING Bank Śląski S.A. Dividend policy (9 March 2018) (PDF)
- Update of the ING Bank Śląski S.A. Dividend policy (1 March 2019) (PDF)
- Update of the ING Bank Śląski S.A. Dividend policy (6 March 2020) (PDF)
- Update of the ING Bank Śląski S.A. Dividend policy (15 December 2021) (PDF)
- Update of the ING Bank Śląski S.A. Dividend policy (17 November 2025) (PDF)
Dividend story
Note: Data prior the share split in November 2011 (1:10) adjusted accordingly *including: PLN 3,330.5 million from the profit earned by the Bank in 2023, which constitutes 75% of the standalone and consolidated profit of ING Bank Śląski S.A. for 2023, and PLN 1,008.3 million from the reserve capital intended for dividend payment. The amount of PLN 1,008.3 million consists of: PLN 494.4 million of profit for 2019 and PLN 513.9 million of profit for 2022. |