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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Responsible sales


The Golden Rules, which we abide by in our everyday interactions with clients, reflect our determination to be honest, open and transparent in our actions.

  • ING strives to meet customers’ needs throughout their lifecycle
    We offer products and services tailored to clients’ needs and financial objectives and adapted to the acceptable risk level, knowledge, experience and financial standing.
  • ING offers benefits adequate to the price of the offered products and services
    Our pricing policy is transparent and easy to understand for clients and it properly reflects the costs of individual products.
  • ING explains the risks, financial benefits and costs of our products and services
    We make sure that our clients are informed in a clear and understandable manner about the risks entailed by the products and services offered.
  • ING regularly assesses products, services and sales practices
    All products and services are assessed on an annual basis. Each year we also conduct a customer satisfaction survey; one of its elements concerns the quality of advisors’ and relationship managers’ work.
  • ING works only with professional and licensed suppliers
    We hire only those who have relevant experience and skills. All relationship managers are provided with relevant training courses organised on a regular basis.
[G4-DMA] [G4-EN27] [G4-14]

Environmental and social risk management

In keeping with the ING Bank Śląski S.A. Sustainability Strategy for 2017-2019 approved by the Bank Management Board, we support our business clients and partners in sustainable running of their business. We recognise our role in ecological projects like the ones pursued in the electric power industry. The companies operating in that sector have to face the challenge of balancing an incremental demand for energy with the need to reduce negative environmental footprint. We want to help clients in energy transformation and switching to low-carbon business. At the same time, we plan to become more involved in funding green energy projects.

The areas to obtain our support according to the Green Statement of ING Bank Śląski S.A. include but are not limited to:


  • Renewable resources projects run by electric power holdings,
  • Projects supporting development of modern electric power transmission and distribution infrastructure,
  • ESCO projects to offer comprehensive energy solutions which contribute to energy saving,


  • Electromobility-oriented projects,
  • Other projects to prevent pollution and increase recycling opportunities.

We apply the Environmental and Social Risk (ESR) guidelines to identify cases of unethical activity. Based on these guidelines, we assess our clients and check whether the transactions we enter into with them meet our ethical standards. It allows us to mitigate the risk of cooperation with clients operating in industries classified as excluded or sensitive. In the former case, we resign from the cooperation, while in the latter – cooperation is possible following positive client’s assessment and upon fulfilling the principles set forth in the ESR.

We also refuse to finance those clients who could expose us to the reputational risk. It could follow from, for example, associating the Bank with the client’s operations or the objective wherefor the client would want to use our services.

In particular, we do not participate in transactions where the entities producing controversial types of weapon or selling weapon to non-government armed forces or embargoed countries are involved.

Sustainable investment

We support environment- and society-friendly investment projects. In recent years, we financed
a dozen or so large infrastructure investment projects concerning renewable energy sources, biogas, heat and power plants, waterworks and waste recycling, to name a few. We also participated in financing investment projects being wind farms. We have been actively seeking projects in the area of photovoltaic energy and renewable energy from waste utilisation.

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