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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[G4-EC1]
Very good financial results for 2017 make us stand out from the banking sector. In the past year, the commercial balance grew by as much as 10.5% (out of which loans by 12.1%). We reached such a high increase while exerting continuous cost containment – the cost to income ratio dropped by 4 p.p. from 2016 and settled at 44.6%. This helped us report a high – and the highest one out of the peer banks – ROE of 12.6% and a record net profit of PLN 1.4 billion. Thanks to a strong capital position, we could offer dividend payout to our shareholders.
Bożena Graczyk
Vice-President of the Bank Management Board

Core effectiveness ratios

2017 2016 2015 2014 2013 Change
2017/2016
C/I ratio 44.6% 48.5% 57.1% 54.4% 56.1% -3.9 p.p.
C/I ratio – adjusted 44.7% 50.5% 54.2% 54.4% 56.1% -5.7 p.p.
ROA 1.16% 1.10% 1.07% 1.10% 1.17% +0.06 p.p.
ROE 12.6% 11.7% 11.0% 11.1% 11.6% +0.9 p.p.
Return on Equity (ROE) - adjusted 12.9% 12.8% 12.2% 11.9% 12.0% +0.1 p.p.
Interest margin ratio 2.94% 2.67% 2.45% 2.67% 2.68% +0.26 p.p.
LTD ratio 87.2% 85.6% 82.6% 80.7% 77.3% +1.6 p.p.
LCR 145% 155% 178% 168% n/a -10 p.p.
NSFR 122% 124% 124% 114% n/a -2 p.p.
LR according to transitional definition 7.68 7.10 6.71 6.61 n/a +0.58
Total capital ratio 16.7% 14.7% 13.7% 14.2% 17.3% +2.0 p.p.
Tier I capital ratio 15.8% 13.7% 13.7% 14.2% 16.7% +2.1 p.p.

 

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