About report

For the second time now, the ING Bank Śląski S.A. Group has compiled the annual report in line with the best global practices of integrated reporting. To help readers use the interactive tools, we prepared a user guide with key features. We encourage you to watch a short animated video before reading the report.

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Our stable financial position is also confirmed by external credit rating assigned to our bank. Our bank cooperates with two rating agencies: Fitch Ratings and Moody’s Investors Service.

Fitch Ratings Ltd.

Fitch Ratings assigns a full rating under the agreement between the Bank and the Agency. As at the 2017 annual report’s signing date (6 March 2017), the ratings are as follows:


Fitch Ratings Ltd.
Long-Term IDR A
Outlook for sustaining the rating Stable
Short-Term IDR F1
Viability rating bbb+
Support rating 1
National Long-Term Rating AAA (pol)
Outlook for sustaining the above rating Stable
National Short-Term Ratingj F1+ (pol)


On 21 March 2017, the Agency assigned national ratings to the Bank. The National Long-Term Rating was set at AAA (pol) with stable outlook, while the National Short-Term Rating – at F1+ (pol).

In the press release published on 20 October 2017, the Agency sustained the ratings assigned to the Bank. The Agency emphasised in its announcement that the ratings upheld for the Bank reflected a solid business model, conservative approach to credit risk, strong capital position, high quality of assets and profitability as well as stable funding profile of the Bank underpinned by a customer deposit base.

Moody’s Investors Service Ltd.

The Moody’s Investors Service Agency assigns their rating to the Bank on the basis of public information. As at the 2017 annual report’s sigining date (6 March 2017), the ratings are as follows:


Moody’s Investors Service Ltd.
LT Rating A3
ST Rating P-2
Baseline Credit Assessment (BCA) baa3
Adjusted Baseline Credit Assessment (Adjusted BCA) baa2
Outlook Positive
Counterparty Risk Assessment (CR Assessment) long-term/ short-term A2 / P-1


The last time the rating was changed was on 21 May 2015 when the LT Rating was upgraded from Baa1 to A3 and the rating outlook was revised from Review for possible upgrade to Stable.

In the press release published on 23 January and 14 July 2017, the Agency sustained the ratings assigned to the Bank. In its press release on 6 November 2017, the Agency also kept the ratings unchanged, but upgraded the rating perspective from stable to positive. The Agency emphasised in its announcement that the Bank’s rating reflected the Bank’s strong financial performance, with better than the sector average asset quality, limited exposure to FX mortgage loans, stable and sound capital position as well as a good liquidity position.

Rating breakdown:

The table below compares the long-term ratings for Poland, ING Bank Śląski S.A. and ING Bank N.V. as at 2017 end:


Poland ING Bank Śląski S.A. ING Bank N.V.
Fitch Ratings A- A A+
Moody’s Investor Services A2 A3 Aa3
Standard & Poor’s A- (local currency)
BBB+ (foreign currency)

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