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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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Consolidated Statement of Financial Position as at 31 December (million)
2013 2014 2015 2016 2017
Assets
Cash in hand and balances with the Central Bank 6,970.1 5,330.7 3,589.7 1,825.0 2,815.2
Loans and other receivables to other banks 1,399.8 1,838.3 1,014.6 1,113.4 2,234.5
Loans and receivables, gross 1,399.9 1,838.3 1,014.7 1,113.7 2,234.7
Current accounts 869.0 963.4 820.7 933.7 785.4
Interbank deposits 235.7 125.8 59.4 0.0 997.7
Loans and advances 70.6 58.3 81.7 156.0 449.1
Factoring receivables 80.0 8.9 51.4 24.0 2.5
Reverse repo transactions 133.7 664.9 0.0 0.0 0.0
Other 10.9 17.0 1.5 0.0 0.0
Impairment losses -0.1 0.0 -0.1 -0.3 -0.2
Financial assets at fair value through profit or loss 1,951.4 1,856.8 1,127.1 2,826.8 530.1
Debt instruments, including: 1,276.3 1,409.8 964.3 2,805.2 469.6
Treasury bonds 476.5 1,409.8 964.3 2,795.7 422.6
European Investment Bank bonds 0.0 0.0 0.0 9.5 47.0
NBP bills and Treasury bills 799.8 0.0 0.0 0.0 0.0
Transactions with the buy-back commitment 675.1 447.0 162.8 21.6 60.5
Financial assets designated as at fair value upon initial recognition 0.0 0.0 0.0 0.0 0.0
Valuation of derivatives 1,471.4 2,412.3 1,990.9 1,117.1 784.7
Investments 19,493.6 22,829.3 23,478.8 25,721.3 25,907.4
Available-for-sale financial assets, including: 19,493.6 22,829.3 20,678.1 20,557.2 17,556.9
fair value hedge-hedged items 1,971.6 4,095.9 3,515.5 12,191.3 11,031.1
Treasury bonds 1,745.9 3,726.0 3,002.4 11,356.0 10,241.8
French government bonds 0.0 0.0 513.1 525.5 0.0
European Investment Bank bonds 0.0 0.0 0.0 309.8 789.3
BGK bonds 225.7 369.9 0.0 0.0 0.0
Financial assets held to maturity 0.0 0.0 2,800.7 5,164.1 8,350.5
Derivative hedge instruments 1,051.9 2,983.8 2,454.8 1,338.6 967.2
Loans and other receivables to customers 52,237.9 61,054.8 72,519.6 81,979.5 91,088.3
Breakdown 1)
Total loans and receivables to customers, gross 53,797.5 62,780.3 74,066.5 83,447.2 92,755.9
Customer loan portfolio. including: 49,982.3 58,750.5 70 046.9 79,447.9 89,043.6
Loans and advances 41,690.4 48,750.7 58,563.8 66,783.9 75,281.9
Leasing receivables 3,650.5 4,397.7 4,922.1 5,760.5 6,593.0
Factoring receivables 2,465.7 2,830.4 3,402.0 4,373.6 4,620.4
Corporate and municipal bonds 2,175.7 2,771.7 3,159.0 2,529.9 2,548.3
Other receivables, including: 3,815.2 4,029.8 4,019.6 3,999.3 3,712.3
T-eurobonds 3,685.8 3,923.9 3,838.6 3,910.7 3,564.8
Other 129.4 105.9 181.0 88.6 147.5
Impairment losses (including IBNR), including: -1,559.6 -1,725.5 -1,546.9 -1,467.7 -1,667.6
concerning customer loan portfolio, including: -1,554.0 -1,719.8 -1,545.9 -1,467.0 -1,666.9
concerning loans and advances -1 481.6 -1,638.2 -1,390.7 -1,376.7 -1,587.1
concerning leasing receivables -59.7 -62.1 -39.4 -50.4 -33.6
concerning factoring receivables -11.9 -13.9 -12.3 -22.8 -30.1
concerning debt securities (corporate and municipal bonds) -0.8 -5.6 -103.5 -17.1 -16.1
concerning other receivables, including: -5.6 -5.7 -1.0 -0.7 -0.7
concerning T-eurobonds -0.4 -0.5 -0.5 -0.7 -0.7
other -5.2 -5.2 -0.5 0.0 0.0
Total loans and receivables to customers, net 52,237.9 61,054.8 72,519.6 81,979.5 91,088.3
Customer loan portfolio. including: 48,428.3 57,030.7 68,501.0 77,980.9 87,376.7
Loans and advances 40,208.8 47,112.5 57,173.1 65,407.2 73,694.8
Leasing receivables 3,590.8 4,335.6 4,882.7 5,710.1 6,559.4
Factoring receivables 2,453.8 2,816.5 3,389.7 4,350.8 4,590.3
Corporate and municipal bonds 2,174.9 2,766.1 3,055.5 2,512.8 2,532.2
Other receivables, including: 3,809.6 4,024.1 4,018.6 3,998.6 3,711.6
T-eurobonds 3,685.4 3,923.4 3,838.1 3,910.0 3,564.1
Other 124.2 100.7 180.5 88.6 147.5
Breakdown 2)
Loans and other receivables to entities from the financial sector other than banks, net 1,568.1 1,869.1 2,510.0 2,347.3 2,935.0
Loans and other receivables, gross 1,568.9 1,870.3 2,510.7 2,348.3 2,936.0
Loans and advances, including: 1,457.9 1,778.7 1,936.1 1,879.0 1,954.7
in the current accoun 66.8 584.6 157.3 376.3 696.3
term ones 1,391.1 1,194.1 1,778.8 1,502.7 1,258.4
Leasing receivables 0.4 0.8 0.7 0.6 0.2
Factoring receivables 0.0 0.0 21.1 0.5 85.9
Debt securities (notes) 0.0 0.0 384.5 386.6 759.1
Other receivables 110.6 90.8 168.3 81.6 136.1
Impairment losses (including IBNR), including: -0.8 -1.2 -0.7 -1.0 -1.0
concerning loans and advances -0.8 -1.2 -0.6 -0.9 -0.9
concerning debt securities 0.0 0.0 -0.1 -0.1 -0.1
Loans and other receivables to entities from the non-financial sector, net 43,409.1 51,461.1 62,285.6 72,306.2 81,741.9
Loans and other receivables, gross 44,966.9 53,184.2 63,830.3 73,771.0 83,406.6
Business entities, including: 25,951.0 30,268.0 35,998.3 40,321.0 43,651.1
Loans and advances, including: 18,761.5 21,870.5 26,884.8 30,245.8 33,161.0
     in the current account 5,223.0 5,724.2 6,999.9 6,964.2 8,455.6
     term ones 13,538.5 16,146.3 19,884.9 23,281.6 24,705.4
Leasing receivables 3,509.9 3,972.8 4,319.5 4,903.4 5,476.5
Factoring receivables 2,416.5 2,746.0 3,279.8 4,208.5 4,239.7
Debt securities (corporate bonds i notes) 1,244.8 1,664.1 1,502.0 956.3 762.5
Other receivables 18.3 14.6 12.2 7.0 11.4
Households, including: 19,015.9 22,916.2 27,832.0 33,450.0 39,755.5
Loans and advances, including: 18,842.6 22,441.0 27,173.5 32,513.5 38,430.3
     in the current account 1,435.5 1,542.6 1,632.9 1,762.7 1,948.8
     term ones 17,407.1 20,898.4 25,540.6 30,750.8 36,481.5
Leasing receivables 140.2 424.1 601.9 856.5 1,116.2
Factoring receivables 32.6 50.6 56.1 80.0 209.0
Other receivables 0.5 0.5 0.5 0.0 0.0
Impairment losses (including IBNR), including: -1,557.8 -1,723.1 -1,544.7 -1,464.8 -1,664.7
Business entities, including: -1,062.3 -1,125.4 -989.3 -880.2 -969.1
concerning loans and advances -985.6 -1040 -836.1 -792.9 -895.6
concerning leasing receivables -59.5 -61.3 -37.9 -48.8 -30.9
concerning factoring receivables -11.7 -13.8 -12.2 -21.9 -26.9
concerning debt securities -0.8 -5.6 -103.1 -16.6 -15.7
concerning other receivables -4.7 -4.7 0.0 0.0 0.0
Households, including: -495.5 -597.7 -555.4 -584.6 -695.6
concerning loans and advances -494.6 -596.3 -553.3 -582.1 -689.8
concerning leasing receivables -0.2 -0.8 -1.5 -1.6 -2.7
concerning factoring receivables -0.2 -0.1 -0.1 -0.9 -3.1
concerning other receivables -0.5 -0.5 -0.5 0.0 0.0
Loans and other receivables to entities from the government and self-government institutions’ sector, net 7,260.7 7,724.6 7,724.0 7,326.0 6,411.4
Loans and other receivables, gross 7,261.7 7,725.8 7,725.5 7,327.9 6,413.3
Loans and advances, including: 2,628.4 2,660.5 2,569.4 2,145.6 1,735.9
in the current account 32.7 6.8 6.8 7.4 5.5
term ones 2,595.7 2,653.7 2,562.6 2,138.2 1,730.4
Leasing receivables 0.0 0.0 0.0 0.0 0.1
Factoring receivables 16.6 33.8 45.0 84.6 85.8
Debt securities (municipal bonds) 930.9 1 107.6 1,272.5 1,187.0 1,026.7
T-eurobonds 3,685.8 3,923.9 3,838.6 3,910.7 3,564.8
Impairment losses (including IBNR), including: -1.0 -1.2 -1.5 -1.9 -1.9
concerning loans and advances -0.6 -0.7 -0.7 -0.8 -0.8
concerning factoring receivables 0.0 0.0 0.0 0.0 -0.1
concerning debt securities (municipal bonds) 0.0 0.0 -0.3 -0.4 -0.3
concerning T-eurobonds -0.4 -0.5 -0.5 -0.7 -0.7
Receivables from customers under repo transactions 638.8 106.6 1,354.4 0.0 19.8
Investments in associated entities 136.5 0.0 0.0 0.0 1.3
Non-financial assets 1,063.9 1,032.3 1,070.5 1,004.5 980.0
Investment properties 121.4 60.0 53.2 0.3 0.0
Property, plant and equipment 576.6 595.0 597.7 578.0 549.0
Intangible assets 365.9 377.3 419.6 426.2 431.0
Assets held for sale 35.3 144.9 38.4 31.8 11.1
Tax assets 119.9 59.1 59.6 237.5 257.1
Other assets 180.1 211.8 194.7 282.2 417.2
Total assets 86,750.6 99,860.7 108,893.1 117,477.7 126,013.9
Liabilities
Liabilities to other banks 4,609.8 6,123.4 3,913.5 5,043.0 4,109.0
Current accounts 744.8 1,823.2 1,527.1 933.4 923.4
Interbank deposits 1,230.4 1,818.7 316.5 1,050.6 102.3
Loans received 2,580.8 2,467.1 1,997.0 3,023.3 3,064.9
Repo transactions 28.7 0.0 0.0 0.0 0.0
Other liabilities 25.1 14.4 72.9 35.7 18.4
Financial liabilities at fair value through profit or loss 1,234.2 917.4 629.4 474.8 735.1
Financial liabilities held for trading – repo transactios 613.1 56.9 162.8 21.6 0.0
Financial liabilities designated as at fair value upon initial recognition 0.0 0.0 0.0 0.0 0.0
Book short position in trading securities 621.1 860.5 466.6 453.2 735.1
Valuation of derivatives 1,493.0 2,521.6 2,002.7 1,116.0 979.2
Derivative hedge instruments 1,114.4 2,032.8 1,830.9 1,468.1 699.2
Liabilities to customers 67,547.9 75,658.9 87,818.5 95,825.4 104,503.3
Liabilities due to entities from the financial sector other than banks 3,216.2 2,243.8 2,417.3 3,617.9 4,258.4
Deposits, including: 3,143.1 2,142.8 2,353.8 3,429.2 3,961.5
current accounts 2,211.2 1,707.6 2,272.3 3,233.8 3,847.2
term deposits 931.9 435.2 81.5 195.4 114.3
Liabilities under cash collateral 10.6 0.4 0.5 4.5 0.4
Other liabilities 62.5 100.6 63.0 184.2 296.5
Liabilities due to entities from the non-financial sector 62,231.3 71,539.3 83,769.3 90,456.5 98,438.8
Business entities, including: 18,602.4 21,260.5 24 792.9 26,840.9 30,438.2
Deposits, including: 17,746.3 20,177.3 23,594.2 25,395.4 29,196.5
current accounts 10,756.1 10,641.5 13,123.8 15,542.2 18,337.6
saving accounts 4,428.8 6,139.6 8,000.5 8,414.4 8,405.8
term deposit 2,561.4 3,396.2 2,469.9 1,438.8 2,453.1
Liabilities under cash collateral 230.7 202.4 244.1 256.4 227.6
Other liabilities 625.4 880.8 954.6 1,189.1 1,014.2
Households, including: 43,628.9 50,278.8 58,976.4 63,615.6 68,000.6
Deposits, including: 43,563.8 50,217.1 58,896.2 63,548.0 67,918.7
current accounts 6,456.3 7,715.3 9,875.2 11,960.2 14,816.2
saving accounts 32,105.0 36,622.6 42,989.9 47,726.0 49,767.7
term deposit 5,002.5 5,879.2 6,031.1 3,861.8 3,334.8
Liabilities under cash collateral 55.9 49.3 49.4 43.7 41.2
Other liabilities 9.2 12.4 30.8 23.9 40.7
Liabilities due to entities from the government and self-government institutions’ sector 2,100.4 1,875.8 1,631.9 1,751.0 1,806.1
Deposits, including: 2,090.8 1,868.5 1,619.5 1,740.8 1,773.9
     current accounts 2,029.0 1,809.4 1,530.6 1,684.3 1,712.7
     term deposit  61.8 59.1 88.9 56.5 61.2
Liabilities under cash collateral 4.4 4.7 6 6.5 4.8
Other liabilities 5.2 2.6 6.4 3.7 27.4
Liabilities to customers under repo transactions 433.5 29.7 47.5 0.0 0.0
Liabilities under issue of debt securities 566.4 866.5 866.3 866.4 300.3
Subordinated liabilities 0.0 0.0 0.0 664.9 626.9
Provisions 67.8 74.8 67.2 73.8 100.0
Tax liabilities 111.7 265.6 156.8 121.3 232.9
Other liabilities 943.3 913.4 879.8 1,346.8 1,933.2
Total liabilities 78,122.0 89,404.1 98,212.6 107,000.5 114,219.1
Equity
Share capital 130.1 130.1 130.1 130.1 130.1
Supplementary capital – issuance of shares over nominal value 956.3 956.3 956.3 956.3 956.3
Revaluation reserve 524.3 1 874.3 1 485.0 577.5 493.2
Retained earnings 7,015.6 7,493.3 8,106.5 8,811.0 10,215.2
Equity attributable to shareholders of ING Bank Śląski S.A. 8,626.3 10,454.0 10,677.9 10,474.9 11,794.8
Non-controlling interests 2.3 2.6 2.6 2.3 0.0
Total equity 8,628.6 10,456.6 10,680.5 10,477.2 11,794.8
Total equity and liabilities 86,750.6 99,860.7 108,893.1 117,477.7 126,013.9
 
Carrying amount 8,626.3 10,454.0 10,677.9 10,474.9 11,794.8
Number of shares (million) 130,100,000 130,100,000 130,100,000 130,100,000 130,100,000
Carrying amount per share (PLN) 66.3 80.4 82.1 80.5 90.7
Consolidated Statement of Financial Position as at 31 December (million)
2013 2014 2015 2016 2017
Assets          
Cash in hand and balances with the Central Bank 1,680.7 1,250.7 842.4 412.5 675.0
Loans and other receivables to other banks 337.5 431.3 238.1 251.7 535.7
Loans and receivables, gross 337.6 431.3 238.1 251.7 535.8
Current accounts 209.5 226.0 192.6 211.1 188.3
Interbank deposits 56.8 29.5 13.9 0.0 239.2
Loans and advances 17.0 13.7 19.2 35.3 107.7
Factoring receivables 19.3 2.1 12.1 5.4 0.6
Reverse repo transactions 32.2 156.0 0.0 0.0 0.0
Other 2.6 4.0 0.4 0.0 0.0
Impairment losses 0.0 0.0 0.0 -0.1 0.0
Financial assets at fair value through profit or loss 470.5 435.6 264.5 639.0 127.1
Debt instruments, including: 307.7 330.8 226.3 634.1 112.6
Treasury bonds 114.9 330.8 226.3 631.9 101.3
European Investment Bank bonds 0.0 0.0 0.0 2.1 11.3
NBP bills and Treasury bills 192.9 0.0 0.0 0.0 0.0
Transactions with the buy-back commitment 162.8 104.9 38.2 4.9 14.5
Financial assets designated as at fair value upon initial recognition 0.0 0.0 0.0 0.0 0.0
Valuation of derivatives 354.8 566.0 467.2 252.5 188.1
Investments 4,700.4 5,356.1 5,509.5 5,814.0 6,211.5
Available-for-sale financial assets, including: 4,700.4 5,356.1 4,852.3 4,646.7 4,209.4
fair value hedge-hedged items 475.4 961.0 824.9 2,755.7 2,644.8
Treasury bonds 421.0 874.2 704.5 2,566.9 2,455.5
French government bonds 0.0 0.0 120.4 118.8 0.0
European Investment Bank bonds 0.0 0.0 0.0 70.0 189.2
BGK bonds 54.4 86.8 0.0 0.0 0.0
Financial assets held to maturity 0.0 0.0 657.2 1,167.3 2,002.1
Derivative hedge instruments 253.6 700.0 576.0 302.6 231.9
Loans and other receivables to customers 12,595.9 14,324.4 17,017.4 18,530.6 21,839.0
Breakdown 1)
Total loans and receivables to customers, gross 12,972.0 14,729.2 17,380.4 18,862.4 22,238.8
Customer loan portfolio, including: 12,052.1 13,783.8 16,437.1 17,958.4 21,348.8
Loans and advances 10,052.7 11,437.7 13,742.5 15,095.8 18,049.3
Leasing receivables 880.2 1,031.8 1,155.0 1,302.1 1,580.7
Factoring receivables 594.5 664.1 798.3 988.6 1,107.8
Corporate and municipal bonds 524.6 650.3 741.3 571.9 611.0
Other receivables, including: 919.9 945.5 943.2 904.0 890.0
T-eurobonds 888.7 920.6 900.8 884.0 854.7
Other 31.2 24.8 42.5 20.0 35.4
Impairment losses (including IBNR), including: -376.1 -404.8 -363.0 -331.8 -399.8
concerning customer loan portfolio, including: -374.7 -403.5 -362.8 -331.6 -399.6
concerning loans and advances -357.3 -384.3 -326.3 -311.2 -380.5
concerning leasing receivables -14.4 -14.6 -9.2 -11.4 -8.1
concerning factoring receivables -2.9 -3.3 -2.9 -5.2 -7.2
concerning debt securities (corporate and municipal bonds) -0.2 -1.3 -24.3 -3.9 -3.9
concerning other receivables, including: -1.4 -1.3 -0.2 -0.2 -0.2
concerning T-eurobonds -0.1 -0.1 -0.1 -0.2 -0.2
other -1.3 -1.2 -0.1 0.0 0.0
Total loans and receivables to customers, net 12,595.9 14,324.4 17,017.4 18,530.6 21,839.0
Customer loan portfolio, including: 11,677.3 13,380.3 16,074.4 17,626.8 20,949.1
Loans and advances 9,695.4 11,053.3 13,416.2 14,784.6 17,668.8
Leasing receivables 865.8 1,017.2 1,145.8 1,290.7 1,572.7
Factoring receivables 591.7 660.8 795.4 983.5 1,100.6
Corporate and municipal bonds 524.4 649.0 717.0 568.0 607.1
Other receivables, including: 918.6 944.1 943.0 903.8 889.9
T-eurobonds 888.6 920.5 900.6 883.8 854.5
Other 29.9 23.6 42.4 20.0 35.4
Breakdown 2)
Loans and other receivables to entities from the financial sector other than banks, net 378.1 438.5 589.0 530.6 703.7
Loans and other receivables, gross 378.3 438.8 589.2 530.8 703.9
Loans and advances, including: 351.5 417.3 454.3 424.7 468.7
in the current accoun 16.1 137.2 36.9 85.1 166.9
term ones 335.4 280.2 417.4 339.7 301.7
Leasing receivables 0.1 0.2 0.2 0.1 0.0
Factoring receivables 0.0 0.0 5.0 0.1 20.6
Debt securities (notes) 0.0 0.0 90.2 87.4 182.0
Other receivables 26.7 21.3 39.5 18.4 32.6
Impairment losses (including IBNR), including: -0.2 -0.3 -0.2 -0.2 -0.2
concerning loans and advances -0.2 -0.3 -0.1 -0.2 -0.2
concerning debt securities 0.0 0.0 0.0 0.0 0.0
Loans and other receivables to entities from the non-financial sector, net 10,467.1 12,073.6 14,615.9 16,344.1 19,598.1
Loans and other receivables, gross 10,842.7 12,477.8 14,978.4 16,675.2 19,997.3
Business entities, including: 6,257.5 7,101.3 8,447.3 9,114.2 10,465.6
Loans and advances, including: 4,523.9 5,131.1 6,308.8 6,836.8 7,950.6
     in the current account 1,259.4 1,343.0 1,642.6 1,574.2 2,027.3
     term ones 3,264.5 3,788.2 4,666.2 5,262.6 5,923.3
Leasing receivables 846.3 932.1 1,013.6 1,108.4 1,313.0
Factoring receivables 582.7 644.3 769.6 951.3 1,016.5
Debt securities (corporate bonds i notes) 300.2 390.4 352.5 216.2 182.8
Other receivables 4.4 3.4 2.9 1.6 2.7
Households, including: 4,585.2 5,376.5 6,531.0 7,561.0 9,531.6
Loans and advances, including: 4,543.5 5,265.0 6,376.5 7,349.3 9,213.9
     in the current account 346.1 361.9 383.2 398.4 467.2
     term ones 4,197.3 4,903.1 5,993.3 6,950.9 8,746.7
Leasing receivables 33.8 99.5 141.2 193.6 267.6
Factoring receivables 7.9 11.9 13.2 18.1 50.1
Other receivables 0.1 0.1 0.1 0.0 0.0
Impairment losses (including IBNR), including: -375.6 -404.3 -362.5 -331.1 -399.1
Business entities, including: -256.1 -264.0 -232.1 -199.0 -232.3
concerning loans and advances -237.7 -244.0 -196.2 -179.2 -214.7
concerning leasing receivables -14.3 -14.4 -8.9 -11.0 -7.4
concerning factoring receivables -2.8 -3.2 -2.9 -5.0 -6.4
concerning debt securities -0.2 -1.3 -24.2 -3.8 -3.8
concerning other receivables -1.1 -1.1 0.0 0.0 0.0
Households, including: -119.5 -140.2 -130.3 -132.1 -166.8
concerning loans and advances -119.3 -139.9 -129.8 -131.6 -165.4
concerning leasing receivables 0.0 -0.2 -0.4 -0.4 -0.6
concerning factoring receivables 0.0 0.0 0.0 -0.2 -0.7
concerning other receivables -0.1 -0.1 -0.1 0.0 0.0
Loans and other receivables to entities from the government and self-government institutions’ sector, net 1,750.7 1,812.3 1,812.5 1,656.0 1,537.2
Loans and other receivables, gross 1,751.0 1,812.6 1,812.9 1,656.4 1,537.6
Loans and advances, including: 633.8 624.2 602.9 485.0 416.2
in the current account 7.9 1.6 1.6 1.7 1.3
term ones 625.9 622.6 601.3 483.3 414.9
Leasing receivables 0.0 0.0 0.0 0.0 0.0
Factoring receivables 4.0 7.9 10.6 19.1 20.6
Debt securities (municipal bonds) 224.5 259.9 298.6 268.3 246.2
T-eurobonds 888.7 920.6 900.8 884.0 854.7
Impairment losses (including IBNR), including: -0.2 -0.3 -0.4 -0.4 -0.5
concerning loans and advances -0.1 -0.2 -0.2 -0.2 -0.2
concerning factoring receivables 0.0 0.0 0.0 0.0 0.0
concerning debt securities (municipal bonds) 0.0 0.0 -0.1 -0.1 -0.1
concerning T-eurobonds -0.1 -0.1 -0.1 -0.2 -0.2
Receivables from customers under repo transactions 154.0 25.0 317.8 0.0 4.7
Investments in associated entities 32.9 0.0 0.0 0.0 0.3
Non-financial assets 256.5 242.2 251.2 227.1 235.0
Investment properties 29.3 14.1 12.5 0.1 0.0
Property, plant and equipment 139.0 139.6 140.3 130.7 131.6
Intangible assets 88.2 88.5 98.5 96.3 103.3
Assets held for sale 8.5 34.0 9.0 7.2 2.7
Tax assets 28.9 13.9 14.0 53.7 61.6
Other assets 43.4 49.7 45.7 63.8 100.0
Total assets 20,917.9 23,428.8 25,552.8 26,554.6 30,212.6
Liabilities
Liabilities to other banks 1,111.5 1,436.6 918.3 1,139.9 985.2
Current accounts 179.6 427.8 358.3 211.0 221.4
Interbank deposits 296.7 426.7 74.3 237.5 24.5
Loans received 622.3 578.8 468.6 683.4 734.8
Repo transactions 6.9 0.0 0.0 0.0 0.0
Other liabilities 6.1 3.4 17.1 8.1 4.4
Financial liabilities at fair value through profit or loss 297.6 215.2 147.7 107.3 176.2
Financial liabilities held for trading – repo transactios 147.8 13.3 38.2 4.9 0.0
Financial liabilities designated as at fair value upon initial recognition 0.0 0.0 0.0 0.0 0.0
Book short position in trading securities 149.8 201.9 109.5 102.4 176.2
Valuation of derivatives 360.0 591.6 470.0 252.3 234.8
Derivative hedge instruments 268.7 476.9 429.6 331.8 167.6
Liabilities to customers 16,287.6 17,750.7 20,607.4 21,660.4 25,055.3
Liabilities due to entities from the financial sector other than banks 775.5 526.4 567.2 817.8 1,021.0
Deposits, including: 757.9 502.7 552.3 775.1 949.8
current accounts 533.2 400.6 533.2 731.0 922.4
term deposits 224.7 102.1 19.1 44.2 27.4
Liabilities under cash collateral 2.6 0.1 0.1 1.0 0.1
Other liabilities 15.1 23.6 14.8 41.6 71.1
Liabilities due to entities from the non-financial sector 15,005.6 16,784.2 19,657.2 20,446.8 23,601.3
Business entities, including: 4,485.5 4,988.0 5,817.9 6,067.1 7,297.8
Deposits, including: 4,279.1 4,733.9 5,536.6 5,740.4 7,000.0
     current accounts 2,593.6 2,496.7 3,079.6 3,513.2 4,396.6
     saving accounts 1,067.9 1,440.4 1,877.4 1,902.0 2,015.3
     term deposit 617.6 796.8 579.6 325.2 588.1
Liabilities under cash collateral 55.6 47.5 57.3 58.0 54.6
Other liabilities 150.8 206.6 224.0 268.8 243.2
Households, including: 10,520.1 11,796.2 13,839.4 14,379.7 16,303.6
Deposits, including: 10,504.4 11,781.7 13,820.5 14,364.4 16,283.9
     current accounts 1,556.8 1,810.1 2,317.3 2,703.5 3,552.3
     saving accounts 7,741.4 8,592.2 10,088.0 10,788.0 11,932.1
     term deposit 1,206.2 1,379.3 1,415.3 872.9 799.5
Liabilities under cash collateral 13.5 11.6 11.6 9.9 9.9
Other liabilities 2.2 2.9 7.2 5.4 9.8
Liabilities due to entities from the government and self-government institutions’ sector 506.5 440.1 382.9 395.8 433.0
Deposits, including: 504.1 438.4 380.0 393.5 425.3
     current accounts 489.2 424.5 359.2 380.7 410.6
     term deposit 14.9 13.9 20.9 12.8 14.7
Liabilities under cash collateral 1.1 1.1 1.4 1.5 1.2
Other liabilities 1.3 0.6 1.5 0.8 6.6
Liabilities to customers under repo transactions 104.5 7.0 11.1 0.0 0.0
Liabilities under issue of debt securities 136.6 203.3 203.3 195.8 72.0
Subordinated liabilities 0.0 0.0 0.0 150.3 150.3
Provisions 16.3 17.5 15.8 16.7 24.0
Tax liabilities 26.9 62.3 36.8 27.4 55.8
Other liabilities 227.5 214.3 206.5 304.4 463.5
Total liabilities 18,837.3 20,975.6 23,046.5 24,186.4 27,384.8
Equity
Share capital 31.4 30.5 30.5 29.4 31.2
Supplementary capital – issuance of shares over nominal value 230.6 224.4 224.4 216.2 229.3
Revaluation reserve 126.4 439.7 348.5 130.5 118.2
Retained earnings 1,691.6 1,758.0 1,902.3 1,991.6 2,449.2
Equity attributable to shareholders of ING Bank Śląski S.A. 2,080.0 2,452.7 2,505.7 2,367.7 2,827.9
Non-controlling interests 0.6 0.6 0.6 0.5 0.0
Total equity 2,080.6 2,453.3 2,506.3 2,368.3 2,827.9
Total equity and liabilities 20,917.9 23,428.8 25,552.8 26,554.6 30,212.6
 
Carrying amount 2,080.0 2,452.7 2,505.7 2,367.7 2,827.9
Number of shares (million) 130,100,000 130,100,000 130,100,000 130,100,000 130,100,000
Carrying amount per share (PLN) 16.0 18.9 19.3 18.2 21.7
Consolidated Statement of Financial Position as at 31 December (million)
2013 2014 2015 2016 2017
Assets
Cash in hand and balances with the Central Bank 2,314.1 1,519.9 920.2 436.7 808.7
Loans and other receivables to other banks 464.7 524.2 260.1 266.4 641.9
Loans and receivables, gross 464.8 524.2 260.1 266.5 641.9
Current accounts 288.5 274.7 210.4 223.4 225.6
Interbank deposits 78.3 35.9 15.2 0.0 286.6
Loans and advances 23.4 16.6 20.9 37.3 129.0
Factoring receivables 26.6 2.5 13.2 5.7 0.7
Reverse repo transactions 44.4 189.6 0.0 0.0 0.0
Other 3.6 4.8 0.4 0.0 0.0
Impairment losses 0.0 0.0 0.0 -0.1 -0.1
Financial assets at fair value through profit or loss 647.9 529.4 288.9 676.4 152.3
Debt instruments, including: 423.7 402.0 247.2 671.2 134.9
Treasury bonds 158.2 402.0 247.2 668.9 121.4
European Investment Bank bonds 0.0 0.0 0.0 2.3 13.5
NBP bills and Treasury bills 265.5 0.0 0.0 0.0 0.0
Transactions with the buy-back commitment 224.1 127.5 41.7 5.2 17.4
Financial assets designated as at fair value upon initial recognition 0.0 0.0 0.0 0.0 0.0
Valuation of derivatives 488.5 687.8 510.3 267.3 225.4
Investments 6,472.0 6,509.3 6,018.5 6,154.5 7,441.9
Available-for-sale financial assets, including: 6,472.0 6,509.3 5,300.6 4,918.8 5,043.2
fair value hedge-hedged items 654.6 1,167.9 901.2 2,917.1 3,168.7
Treasury bonds 579.6 1,062.4 769.6 2,717.2 2,941.9
French government bonds 0.0 0.0 131.5 125.7 0.0
European Investment Bank bonds 0.0 0.0 0.0 74.1 226.7
BGK bonds 74.9 105.5 0.0 0.0 0.0
Financial assets held to maturity 0.0 0.0 717.9 1,235.6 2,398.7
Derivative hedge instruments 349.2 850.8 629.3 320.3 277.8
Loans and other receivables to customers 17,343.3 17,408.4 18,589.5 19,615.6 26,165.0
Breakdown 1)
Total loans and receivables to customers, gross 17,861.1 17,900.4 18,986.1 19,966.8 26,644.0
Customer loan portfolio, including: 16,594.4 16,751.4 17,955.7 19,009.9 25,577.7
Loans and advances 13,841.4 13,900.2 15,012.1 15,979.7 21,624.7
Leasing receivables 1,212.0 1,253.9 1,261.7 1,378.3 1,893.8
Factoring receivables 818.6 807.0 872.1 1,046.5 1,327.2
Corporate and municipal bonds 722.3 790.3 809.8 605.3 732.0
Other receivables, including: 1,266.7 1,149.0 1,030.4 956.9 1,066.4
T-eurobonds 1,223.7 1,118.8 984.0 935.7 1,024.0
Other 43.0 30.2 46.4 21.2 42.4
Impairment losses (including IBNR), including: -517.8 -492.0 -396.5 -351.2 -479.0
concerning customer loan portfolio, including: -515.9 -490.4 -396.3 -351.0 -478.8
concerning loans and advances -491.9 -467.1 -356.5 -329.4 -455.9
concerning leasing receivables -19.8 -17.7 -10.1 -12.1 -9.7
concerning factoring receivables -4.0 -4.0 -3.2 -5.5 -8.6
concerning debt securities (corporate and municipal bonds) -0.3 -1.6 -26.5 -4.1 -4.6
concerning other receivables, including: -1.9 -1.6 -0.3 -0.2 -0.2
concerning T-eurobonds -0.1 -0.1 -0.1 -0.2 -0.2
other -1.7 -1.5 -0.1 0.0 0.0
Total loans and receivables to customers, net 17,343.3 17,408.4 18,589.5 19,615.6 26,165.0
Customer loan portfolio, including: 16,078.5 16,261.0 17,559.4 18,658.8 25,098.9
Loans and advances 13,349.5 13,433.1 14,655.6 15,650.3 21,168.8
Leasing receivables 1,192.2 1,236.2 1,251.6 1,366.3 1,884.2
Factoring receivables 814.7 803.1 868.9 1,041.0 1,318.6
Corporate and municipal bonds 722.1 788.7 783.2 601.2 727.4
Other receivables, including: 1,264.8 1,147.4 1,030.1 956.8 1,066.2
T-eurobonds 1,223.6 1,118.7 983.9 935.6 1,023.8
Other 41.2 28.7 46.3 21.2 42.4
Breakdown 2)
Loans and other receivables to entities from the financial sector other than banks, net 520.6 532.9 643.4 561.6 843.1
Loans and other receivables, gross 520.9 533.3 643.6 561.9 843.4
Loans and advances, including: 484.0 507.2 496.3 449.6 561.5
in the current accoun 22.2 166.7 40.3 90.0 200.0
term ones 461.9 340.5 456.0 359.6 361.5
Leasing receivables 0.1 0.2 0.2 0.1 0.1
Factoring receivables 0.0 0.0 5.4 0.1 24.7
Debt securities (notes) 0.0 0.0 98.6 92.5 218.1
Other receivables 36.7 25.9 43.1 19.5 39.1
Impairment losses (including IBNR), including: -0.3 -0.3 -0.2 -0.2 -0.3
concerning loans and advances -0.3 -0.3 -0.2 -0.2 -0.3
concerning debt securities 0.0 0.0 0.0 0.0 0.0
Loans and other receivables to entities from the non-financial sector, net 14,412.1 14,673.0 15,966.2 17,301.0 23,480.3
Loans and other receivables, gross 14,929.2 15,164.3 16,362.1 17,651.5 23,958.5
Business entities, including: 8,615.9 8,630.2 9,227.7 9,647.8 12,538.7
Loans and advances, including: 6,228.9 6,235.9 6,891.6 7,237.0 9,525.5
     in the current account 1,734.1 1,632.1 1,794.3 1,666.4 2,428.9
     term ones 4,494.9 4,603.8 5,097.3 5,570.7 7,096.6
Leasing receivables 1,165.3 1,132.8 1,107.3 1,173.3 1,573.1
Factoring receivables 802.3 783.0 840.7 1,007.0 1,217.8
Debt securities (corporate bonds i notes) 413.3 474.5 385.0 228.8 219.0
Other receivables 6.1 4.2 3.1 1.7 3.3
Households, including: 6,313.4 6,534.0 7,134.4 8,003.7 11,419.7
Loans and advances, including: 6,255.8 6,398.6 6,965.6 7,779.7 11,039.1
     in the current account 476.6 439.8 418.6 421.8 559.8
     term ones 5,779.2 5,958.7 6,547.0 7,357.9 10,479.3
Leasing receivables 46.5 120.9 154.3 204.9 320.6
Factoring receivables 10.8 14.4 14.4 19.1 60.0
Other receivables 0.2 0.1 0.1 0.0 0.0
Impairment losses (including IBNR), including: -517.2 -491.3 -396.0 -350.5 -478.2
Business entities, including: -352.7 -320.9 -253.6 -210.6 -278.4
concerning loans and advances -327.2 -296.5 -214.3 -189.7 -257.3
concerning leasing receivables -19.8 -17.5 -9.7 -11.7 -8.9
concerning factoring receivables -3.9 -3.9 -3.1 -5.2 -7.7
concerning debt securities -0.3 -1.6 -26.4 -4.0 -4.5
concerning other receivables -1.6 -1.3 0.0 0.0 0.0
Households, including: -164.5 -170.4 -142.4 -139.9 -199.8
concerning loans and advances -164.2 -170.0 -141.8 -139.3 -198.1
concerning leasing receivables -0.1 -0.2 -0.4 -0.4 -0.8
concerning factoring receivables -0.1 0.0 0.0 -0.2 -0.9
concerning other receivables -0.2 -0.1 -0.1 0.0 0.0
Loans and other receivables to entities from the government and self-government institutions’ sector, net 2,410.6 2,202.5 1,980.0 1,752.9 1,841.7
Loans and other receivables, gross 2,410.9 2,202.8 1,980.3 1,753.4 1,842.2
Loans and advances, including: 872.6 758.6 658.6 513.4 498.6
in the current account 10.9 1.9 1.7 1.8 1.6
term ones 861.8 756.6 656.9 511.6 497.1
Leasing receivables 0.0 0.0 0.0 0.0 0.0
Factoring receivables 5.5 9.6 11.5 20.2 24.6
Debt securities (municipal bonds) 309.1 315.8 326.2 284.0 294.9
T-eurobonds 1,223.7 1,118.8 984.0 935.7 1,024.0
Impairment losses (including IBNR), including: -0.3 -0.3 -0.4 -0.5 -0.5
concerning loans and advances -0.2 -0.2 -0.2 -0.2 -0.2
concerning factoring receivables 0.0 0.0 0.0 0.0 0.0
concerning debt securities (municipal bonds) 0.0 0.0 -0.1 -0.1 -0.1
concerning T-eurobonds -0.1 -0.1 -0.1 -0.2 -0.2
Receivables from customers under repo transactions 212.1 30.4 347.2 0.0 5.7
Investments in associated entities 45.3 0.0 0.0 0.0 0.4
Non-financial assets 353.2 294.3 274.4 240.4 281.5
Investment properties 40.3 17.1 13.6 0.1 0.0
Property, plant and equipment 191.4 169.7 153.2 138.3 157.7
Intangible assets 121.5 107.6 107.6 102.0 123.8
Assets held for sale 11.7 41.3 9.8 7.6 3.2
Tax assets 39.8 16.9 15.3 56.8 73.9
Other assets 59.8 60.4 49.9 67.5 119.8
Total assets 28,801.7 28,473.1 27,913.4 28,109.4 36,197.4
Liabilities
Liabilities to other banks 1,530.5 1,746.0 1,003.2 1,206.7 1,180.3
Current accounts 247.3 519.8 391.5 223.3 265.2
Interbank deposits 408.5 518.6 81.1 251.4 29.4
Loans received 856.8 703.4 511.9 723.4 880.4
Repo transactions 9.5 0.0 0.0 0.0 0.0
Other liabilities 8.3 4.1 18.7 8.5 5.3
Financial liabilities at fair value through profit or loss 409.8 261.6 161.3 113.6 211.2
Financial liabilities held for trading – repo transactios 203.6 16.2 41.7 5.2 0.0
Financial liabilities designated as at fair value upon initial recognition 0.0 0.0 0.0 0.0 0.0
Book short position in trading securities 206.2 245.4 119.6 108.4 211.2
Valuation of derivatives 495.7 719.0 513.4 267.0 281.3
Derivative hedge instruments 370.0 579.6 469.3 351.3 200.8
Liabilities to customers 22,426.3 21,572.5 22,511.2 22,928.6 30,018.5
Liabilities due to entities from the financial sector other than banks 1,067.8 639.8 619.6 865.7 1,223.2
Deposits, including: 1,043.5 611.0 603.4 820.5 1,137.9
current accounts 734.1 486.9 582.5 773.8 1,105.1
term deposits 309.4 124.1 20.9 46.8 32.8
Liabilities under cash collateral 3.5 0.1 0.1 1.1 0.1
Other liabilities 20.8 28.7 16.1 44.1 85.2
Liabilities due to entities from the non-financial sector 20,661.1 20,397.8 21,473.3 21,643.9 28,276.4
Business entities, including: 6,176.1 6,062.0 6,355.4 6,422.3 8,743.3
Deposits, including: 5,891.9 5,753.1 6,048.1 6,076.5 8,386.7
     current accounts 3,571.1 3,034.2 3,364.1 3,718.9 5,267.5
     saving accounts 1,470.4 1,750.6 2,050.8 2,013.4 2,414.6
     term deposit 850.4 968.4 633.1 344.3 704.7
Liabilities under cash collateral 76.6 57.7 62.6 61.3 65.4
Other liabilities 207.6 251.1 244.7 284.5 291.3
Households, including: 14,485.0 14,335.9 15,117.9 15,221.6 19,533.1
Deposits, including: 14,463.4 14,318.3 15,097.3 15,205.4 19,509.6
     current accounts 2,143.5 2,199.8 2,531.4 2,861.8 4,255.9
     saving accounts 10,659.0 10,442.1 11,019.9 11,419.6 14,295.7
     term deposit 1,660.9 1,676.3 1,546.0 924.0 957.9
Liabilities under cash collateral 18.6 14.1 12.7 10.5 11.8
Other liabilities 3.1 3.5 7.9 5.7 11.7
Liabilities due to entities from the government and self-government institutions’ sector 697.3 534.8 418.3 419.0 518.8
Deposits, including: 694.2 532.8 415.1 416.5 509.6
     current accounts 673.6 515.9 392.4 403.0 492.0
     term deposit 20.5 16.9 22.8 13.5 17.6
Liabilities under cash collateral 1.5 1.3 1.5 1.6 1.4
Other liabilities 1.7 0.7 1.6 0.9 7.9
Liabilities to customers under repo transactions 143.9 8.5 12.2 0.0 0.0
Liabilities under issue of debt securities 188.0 247.1 222.1 207.3 86.3
Subordinated liabilities 0.0 0.0 0.0 159.1 180.1
Provisions 22.5 21.3 17.2 17.7 28.7
Tax liabilities 37.1 75.7 40.2 29.0 66.9
Other liabilities 313.2 260.4 225.5 322.3 555.3
Total liabilities 25,936.9 25,491.6 25,175.6 25,602.5 32,809.3
Equity 0.0 0.0 0.0 0.0 0.0
Share capital 43.2 37.1 33.3 31.1 37.4
Supplementary capital – issuance of shares over nominal value 317.5 272.7 245.1 228.8 274.7
Revaluation reserve 174.1 534.4 380.7 138.2 141.7
Retained earnings 2,329.2 2,136.5 2,078.0 2,108.2 2,934.3
Equity attributable to shareholders of ING Bank Śląski S.A. 2,864.0 2,980.7 2,737.2 2,506.4 3,388.0
Non-controlling interests 0.8 0.7 0.7 0.6 0.0
Total equity 2,864.7 2,981.5 2,737.8 2,506.9 3,388.0
Total equity and liabilities 28,801.7 28,473.1 27,913.4 28,109.4 36,197.4
 
Carrying amount 2,864.0 2,980.7 2,737.2 2,506.4 3,388.0
Number of shares (million) 130,100,000 130,100,000 130,100,000 130,100,000 130,100,000
Carrying amount per share (PLN) 22.0 22.9 21.0 19.3 26.0

Assets

As at 2017 yearend, the total assets of the ING Bank Śląski S.A. Group were PLN 126.0 billion (up by 7.3% from 2016 yearend). The portfolio of loans and other receivables from customers (Eurobonds excluded) was the primary growth trigger. It went up by PLN 9.5 billion y/y (or 12.1%) and closed with PLN 87.5 billion. These items prevail in the assets structure. As at 31 December 2017, they represented 69.5% of all Group assets.

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The securities portfolio (Eurobonds included) also represented a major item in the statement of financial position of the Group – PLN 30.0 billion (or 23.8% of assets). Debt securities composed of investment assets of PLN 25.9 billion (including available-for-sale assets of PLN 17.6 billion and financial assets held to maturity of PLN 8.4 billion) dominated the portfolio.

Both retail and corporate net loans and other receivables from clients increased the balance as at 2017 yearend when compared with 2016. The growth attributed to retail and corporate segments was PLN 6.2 billion y/y and PLN 3.3 billion y/y, respectively. As a result, the share of the retail segment rose by 2.5 p.p. y/y to 44.6%.

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1loans and other receivables from customers excluding Eurobonds

1loans and other receivables from customers excluding Eurobonds

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1loans and other receivables from customers excluding Eurobonds

1loans and other receivables from customers excluding Eurobonds

In the FX structure of the portfolio of net receivables from customers (excluding Eurobonds) in split into currencies, the share of PLN-denominated exposures went up by 2.9 p.p. (to 84.1%). Their growth follows the rise in PLN-denominated receivables by PLN 10.2 billion from 2016 (or +16.1%) and the decline in FX-denominated exposures by PLN 0.8 billion y/y (or -5.3%).

FX structure of the portfolio of net receivables from customers1

1loans and other receivables from customers excluding Eurobonds

Liabilities and equity

The clients’ funds constituted the dominant funding source for the operations of the ING Bank Śląski S.A. Group. As at 2017 yearend, the liabilities to customers were PLN 104.5 billion, or represented 82.9% of all liabilities.

Equity was another most important funding source. As at the end of December 2017, it stood at PLN 11.8 billion and represented 9,4% of total liabilities.

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On 6 December 2017, the Bank bought PLN 565.0 million-worth maturing bonds which were issued on 6 December 2012. As at 2017 yearend, the Bank still held the liabilities under the issued securities of PLN 300.3 million; they are to expire on 19 December 2019.

As at 2017 yearend, deposits and other liabilities to customers amounted to PLN 104.5 billion or were 9.1% (PLN 8.7 billion) higher y/y. The nominal growth effectuated in 50% by the retail segment and in 50% by the corporate segment. Although the share of the retail segment declined by 1.3 p.p. y/y; it invariably dominates in the structure of liabilities to customers with a share of 65.1% as at 2017 yearend.

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