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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The Management Board of ING Bank Śląski S.A hereby presents the 2017 Non-financial statement as per Articles 49b and 55 of the Accounting Act (Journal of Laws 1994.121.591 as amended).

The Bank and Bank subsidiaries are managed in a consistent manner also as regards non-financial aspects and policies. Therefore, the Non-financial statement has been developed using the consolidated data, whereby potential distorted or misleading information is avoided.

How do we act in Poland?

We want to be the preferred bank for our clients. We ensure top quality of our services and make them broadly available.

We have been present in the Polish market since 1989. We enjoy the position of one of the largest all-round banks in Poland. We are the fifth in terms of the balance sheet total (over PLN 126 billion as at 2017 yearend) and the fourth in terms of the commercial balance (the total of deposits and loans). We render services to both retail clients and business entities. As at 2017 yearend, we operated through 357 branches and 66 ING Express points. We also offer modern online and mobile banking systems.

Our head offices in Warsaw and Katowice are our organisational hubs. This is where we take the most important decisions concerning the operations of our Bank. The Management Board and Supervisory Board are seated there as well. ING Bank Śląski S.A. is formally registered in Katowice. As at the end of December 2017, as a Group we employed over 8,000 people.



since 1989
in the Polish market

We pursue our business model by:

enabling easy saving and easy lending
organising the payment and transactional system
providing high customer service quality

ING Bank Śląski S.A. is a part of a larger organism – ING Bank Śląski S.A. Group with the subsidiaries operating in:

  • leasing,
  • factoring,
  • real property deals and broking services,
  • real property renting,
  • financial advisory and intermediary services, and
  • payroll and accounting services, for example.

More information is available in Chapter “About us”.


Value creation model

Together with the Management Board and senior leaders, we have developed a detailed value creation model. It is our reply to the questions about: what value we create for our clients, shareholders, employees and social environment and how it is measured and maximised. All this is to help us constantly improve the strategic management of our organisation. Key values we provide to our stakeholders are:

  • customer experience,
  • entrepreneurship and market development support,
  • customer privacy,
  • way of working, and
  • stability and predictability.

Each of those values encompasses detailed goals.

More information about our Value creation model is available in Chapter “How we create value”, in item “Value creation model” .

Business strategy

In 2014, ING Group implemented the Think Forward strategy. We want to be perceived as a bank of the future for the enterprising. The one that delivers practical solutions to its clients – the solutions they need and will be willing to use.

Our clients as well as the audience of our commercials probably associate us with the catchphrase: “It’s the people that count”. And that’s right, as we want people to be able to pursue their goals with our support. Often, we help them even become aware of and name their goals.

In practice, it means that – thinking of our clients and their satisfaction – we simplify our actions and how we communicate. We enhance our availability by putting the emphasis on the latitude of contact forms and time when the client may reach us. We are an organisation of committed people who derive satisfaction from improving themselves. And also from supporting our clients in their development. We want them to make informed choices.

More information about our business strategy is available in Chapter “How we create value”, in item “ING Bank Śląski S.A. business strategy”.

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I represent the market and media


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