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 Bank’s business model is divided into two major segments:

 

  • retail banking segment, which encompasses private individuals (mass clients and affluent clients sub-segments) and entrepreneurs (small business), and
  • corporate banking segment, which comprises service of institutional clients and FM products’ operations.

 

In 2017, the Group result before tax broken down into segments was as follows:

kantor  Change currency: PLNEURUSD

 

 

 

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In 2017, results of the retail banking segment and of the corporate banking segment accounted for 59.2% and 40.8% of the Group’s result before tax respectively (in 2016: 60.6% and 39.4%, respectively).

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2013 2014 2015 2016 2017
Income total1 1,753.2 1,943.4 2,088.3 2,472.0 2,663.4
net interest income 1,080.7 1,367.9 1,516.9 1,862.6 2,143.8
net commission income 437.2 436.4 363.0 380.7 413.9
other income/expenses 197.2 126.8 208.4 228.8 105.7
share in net profit (loss) of associated entities recognised under the equity method 38.1 12.3 0.0 0.0 0.0
General and administrative expenses 1,154.3 1,152.2 1,317.4 1,235.6 1,265.4
personnel expenses 543.7 542.5 554.8 599.1 607.3
depreciation and amortisation 116.8 122.3 140.8 155.9 142.3
other general and administrative expenses 493.8 487.4 621.8 480.6 515.8
Impairment losses and provisions for off-balance sheet liabilities 128.4 78.7 69.8 137.5 158.2
Tax on certain financial institutions 0.0 0.0 0.0 101.7 126.5
Gross profit 470.5 712.5 701.1 997.3 1,113.3
Assets of the segment 34,018.9 38,502.2 42,428.4 48,423.8 54,434.6
Liabilities of the segment 47,666.4 54,059.8 61,560.5 67,425.4 71,398.0

1Including net profit of affiliated entities recognised on an equity basis.

 

2013 2014 2015 2016 2017
Income total1 416.3 463.9 499.0 564.9 627.5
net interest income 256.6 326.5 362.5 425.7 505.1
net commission income 103.8 104.2 86.7 87.0 97.5
other income/expenses 46.8 30.3 49.8 52.3 24.9
share in net profit (loss) of associated entities recognised under the equity method 9.0 2.9 0.0 0.0 0.0
General and administrative expenses 274.1 275.0 314.8 282.4 298.1
personnel expenses 129.1 129.5 132.6 136.9 143.1
depreciation and amortisation 27.7 29.2 33.6 35.6 33.5
other general and administrative expenses 117.3 116.3 148.6 109.8 121.5
Impairment losses and provisions for off-balance sheet liabilities 30.5 18.8 16.7 31.4 37.3
Tax on certain financial institutions 0.0 0.0 0.0 23.2 29.8
Gross profit 111.7 170.1 167.5 227.9 262.3
Assets of the segment 8,202.9 9,033.2 9,956.2 10,945.7 13,051.0
Liabilities of the segment 11,493.6 12,683.2 14,445.7 15,240.8 17,118.1

1Including net profit of affiliated entities recognised on an equity basis.

 

2013 2014 2015 2016 2017
Income total1 553.9 610.6 550.6 623.0 711.4
net interest income 341.4 429.8 399.9 469.4 572.6
net commission income 138.1 137.1 95.7 95.9 110.6
other income/expenses 62.3 39.8 54.9 57.7 28.2
share in net profit (loss) of associated entities recognised under the equity method 12.0 3.9 0.0 0.0 0.0
General and administrative expenses 364.7 362.0 347.3 311.4 338.0
personnel expenses 171.8 170.4 146.3 151.0 162.2
depreciation and amortisation 36.9 38.4 37.1 39.3 38.0
other general and administrative expenses 156.0 153.1 163.9 121.1 137.8
Impairment losses and provisions for off-balance sheet liabilities 40.6 24.7 18.4 34.7 42.3
Tax on certain financial institutions 0.0 0.0 0.0 25.6 33.8
Gross profit 148.6 223.9 184.9 251.3 297.4
Assets of the segment 11,294.5 10,978.0 10,876.0 11,586.6 15,636.3
Liabilities of the segment 15,825.5 15,413.9 15,780.3 16,133.2 20,509.0

1Including net profit of affiliated entities recognised on an equity basis.

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2013 2014 2015 2016 2017
Income total1 1,575.3 1,601.4 1,689.8 1,852.5 2,092.5
net interest income 961.9 962.3 950.2 1,090.8 1,309.0
net commission income 584.7 626.5 654.2 684.1 768.9
other income/expenses 28.7 12.6 85.4 77.5 14.6
share in net profit (loss) of associated entities recognised under the equity method 0.0 0.0 0.0 0.0 0.0
General and administrative expenses 714.1 777.5 838.3 863.6 857.2
personnel expenses 382.9 405.0 417.2 440.2 428.4
depreciation and amortisation 47.2 52.8 48.4 54.7 40.0
other general and administrative expenses 284.0 319.7 372.7 368.7 388.8
Impairment losses and provisions for off-balance sheet liabilities 138.8 189.0 162.3 163.1 263.0
Tax on certain financial institutions 0.0 0.0 0.0 178.5 203.6
Gross profit 722.4 634.9 689.2 647.2 768.7
Assets of the segment 51,419.8 60,134.2 65,325.3 67,721.2 70,137.2
Liabilities of the segment 29,332.8 34,090.5 35,548.3 38,033.2 40,555.0

1Including net profit of affiliated entities recognised on an equity basis.

 

2013 2014 2015 2016 2017
Income total1 374.1 382.3 403.8 423.4 493.0
net interest income 228.4 229.7 227.1 249.3 308.4
net commission income 138.8 149.5 156.3 156.3 181.1
other income/expenses 6.8 3.0 20.4 17.7 3.4
share in net profit (loss) of associated entities recognised under the equity method 0.0 0.0 0.0 0.0 0.0
General and administrative expenses 169.6 185.6 200.3 197.4 201.9
personnel expenses 90.9 96.7 99.7 100.6 100.9
depreciation and amortisation 11.2 12.6 11.6 12.5 9.4
other general and administrative expenses 67.5 76.3 89.1 84.3 91.6
Impairment losses and provisions for off-balance sheet liabilities 33.0 45.1 38.8 37.3 62.0
Tax on certain financial institutions 0.0 0.0 0.0 40.8 48.0
Gross profit 171.5 151.6 164.7 147.9 181.1
Assets of the segment 12,398.7 14,108.4 15,329.2 15,307.7 16,815.8
Liabilities of the segment 7,072.9 7,998.1 8,341.7 8,597.0 9,723.3

1Including net profit of affiliated entities recognised on an equity basis.

 

2013 2014 2015 2016 2017
Income total1 497.7 503.1 445.5 466.9 558.9
net interest income 303.9 302.3 250.5 274.9 349.6
net commission income 184.7 196.8 172.5 172.4 205.4
other income/expenses 9.1 4.0 22.5 19.5 3.9
share in net profit (loss) of associated entities recognised under the equity method 0.0 0.0 0.0 0.0 0.0
General and administrative expenses 225.6 244.3 221.0 217.6 229.0
personnel expenses 121.0 127.2 110.0 110.9 114.4
depreciation and amortisation 14.9 16.6 12.8 13.8 10.7
other general and administrative expenses 89.7 100.4 98.3 92.9 103.8
Impairment losses and provisions for off-balance sheet liabilities 43.8 59.4 42.8 41.1 70.2
Tax on certain financial institutions 0.0 0.0 0.0 45.0 54.4
Gross profit 228.2 199.5 181.7 163.1 205.3
Assets of the segment 17,071.6 17,145.9 16,745.4 16,204.0 20,146.8
Liabilities of the segment 9,738.6 9,720.1 9,112.4 9,100.4 11,649.4

1Including net profit of affiliated entities recognised on an equity basis.

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2013 2014 2015 2016 2017
Income total1 1,753.2 1,943.4 2,088.3 2,472.0 2,663.4
net interest income 1,080.7 1,367.9 1,516.9 1,862.6 2,143.8
net commission income 437.2 436.4 363.0 380.7 413.9
other income/expenses 197.2 126.8 208.4 228.8 105.7
share in net profit (loss) of associated entities recognised under the equity method 38.1 12.3 0.0 0.0 0.0
General and administrative expenses 1,154.3 1,152.2 1,317.4 1,235.6 1,265.4
personnel expenses 543.7 542.5 554.8 599.1 607.3
depreciation and amortisation 116.8 122.3 140.8 155.9 142.3
other general and administrative expenses 493.8 487.4 621.8 480.6 515.8
Impairment losses and provisions for off-balance sheet liabilities 128.4 78.7 69.8 137.5 158.2
Tax on certain financial institutions 0.0 0.0 0.0 101.7 126.5
Gross profit 470.5 712.5 701.1 997.3 1,113.3
Assets of the segment 34,018.9 38,502.2 42,428.4 48,423.8 54,434.6
Liabilities of the segment 47,666.4 54,059.8 61,560.5 67,425.4 71,398.0

1Including net profit of affiliated entities recognised on an equity basis.

 

2013 2014 2015 2016 2017
Income total1 416.3 463.9 499.0 564.9 627.5
net interest income 256.6 326.5 362.5 425.7 505.1
net commission income 103.8 104.2 86.7 87.0 97.5
other income/expenses 46.8 30.3 49.8 52.3 24.9
share in net profit (loss) of associated entities recognised under the equity method 9.0 2.9 0.0 0.0 0.0
General and administrative expenses 274.1 275.0 314.8 282.4 298.1
personnel expenses 129.1 129.5 132.6 136.9 143.1
depreciation and amortisation 27.7 29.2 33.6 35.6 33.5
other general and administrative expenses 117.3 116.3 148.6 109.8 121.5
Impairment losses and provisions for off-balance sheet liabilities 30.5 18.8 16.7 31.4 37.3
Tax on certain financial institutions 0.0 0.0 0.0 23.2 29.8
Gross profit 111.7 170.1 167.5 227.9 262.3
Assets of the segment 8,202.9 9,033.2 9,956.2 10,945.7 13,051.0
Liabilities of the segment 11,493.6 12,683.2 14,445.7 15,240.8 17,118.1

1Including net profit of affiliated entities recognised on an equity basis.

 

2013 2014 2015 2016 2017
Income total1 553.9 610.6 550.6 623.0 711.4
net interest income 341.4 429.8 399.9 469.4 572.6
net commission income 138.1 137.1 95.7 95.9 110.6
other income/expenses 62.3 39.8 54.9 57.7 28.2
share in net profit (loss) of associated entities recognised under the equity method 12.0 3.9 0.0 0.0 0.0
General and administrative expenses 364.7 362.0 347.3 311.4 338.0
personnel expenses 171.8 170.4 146.3 151.0 162.2
depreciation and amortisation 36.9 38.4 37.1 39.3 38.0
other general and administrative expenses 156.0 153.1 163.9 121.1 137.8
Impairment losses and provisions for off-balance sheet liabilities 40.6 24.7 18.4 34.7 42.3
Tax on certain financial institutions 0.0 0.0 0.0 25.6 33.8
Gross profit 148.6 223.9 184.9 251.3 297.4
Assets of the segment 11,294.5 10,978.0 10,876.0 11,586.6 15,636.3
Liabilities of the segment 15,825.5 15,413.9 15,780.3 16,133.2 20,509.0

1Including net profit of affiliated entities recognised on an equity basis.

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2013 2014 2015 2016 2017
Income total1 1,575.3 1,601.4 1,689.8 1,852.5 2,092.5
net interest income 961.9 962.3 950.2 1,090.8 1,309.0
net commission income 584.7 626.5 654.2 684.1 768.9
other income/expenses 28.7 12.6 85.4 77.5 14.6
share in net profit (loss) of associated entities recognised under the equity method 0.0 0.0 0.0 0.0 0.0
General and administrative expenses 714.1 777.5 838.3 863.6 857.2
personnel expenses 382.9 405.0 417.2 440.2 428.4
depreciation and amortisation 47.2 52.8 48.4 54.7 40.0
other general and administrative expenses 284.0 319.7 372.7 368.7 388.8
Impairment losses and provisions for off-balance sheet liabilities 138.8 189.0 162.3 163.1 263.0
Tax on certain financial institutions 0.0 0.0 0.0 178.5 203.6
Gross profit 722.4 634.9 689.2 647.2 768.7
Assets of the segment 51,419.8 60,134.2 65,325.3 67,721.2 70,137.2
Liabilities of the segment 29,332.8 34,090.5 35,548.3 38,033.2 40,555.0

1Including net profit of affiliated entities recognised on an equity basis.

 

2013 2014 2015 2016 2017
Income total1 374.1 382.3 403.8 423.4 493.0
net interest income 228.4 229.7 227.1 249.3 308.4
net commission income 138.8 149.5 156.3 156.3 181.1
other income/expenses 6.8 3.0 20.4 17.7 3.4
share in net profit (loss) of associated entities recognised under the equity method 0.0 0.0 0.0 0.0 0.0
General and administrative expenses 169.6 185.6 200.3 197.4 201.9
personnel expenses 90.9 96.7 99.7 100.6 100.9
depreciation and amortisation 11.2 12.6 11.6 12.5 9.4
other general and administrative expenses 67.5 76.3 89.1 84.3 91.6
Impairment losses and provisions for off-balance sheet liabilities 33.0 45.1 38.8 37.3 62.0
Tax on certain financial institutions 0.0 0.0 0.0 40.8 48.0
Gross profit 171.5 151.6 164.7 147.9 181.1
Assets of the segment 12,398.7 14,108.4 15,329.2 15,307.7 16,815.8
Liabilities of the segment 7,072.9 7,998.1 8,341.7 8,597.0 9,723.3

1Including net profit of affiliated entities recognised on an equity basis.

 

2013 2014 2015 2016 2017
Income total1 497.7 503.1 445.5 466.9 558.9
net interest income 303.9 302.3 250.5 274.9 349.6
net commission income 184.7 196.8 172.5 172.4 205.4
other income/expenses 9.1 4.0 22.5 19.5 3.9
share in net profit (loss) of associated entities recognised under the equity method 0.0 0.0 0.0 0.0 0.0
General and administrative expenses 225.6 244.3 221.0 217.6 229.0
personnel expenses 121.0 127.2 110.0 110.9 114.4
depreciation and amortisation 14.9 16.6 12.8 13.8 10.7
other general and administrative expenses 89.7 100.4 98.3 92.9 103.8
Impairment losses and provisions for off-balance sheet liabilities 43.8 59.4 42.8 41.1 70.2
Tax on certain financial institutions 0.0 0.0 0.0 45.0 54.4
Gross profit 228.2 199.5 181.7 163.1 205.3
Assets of the segment 17,071.6 17,145.9 16,745.4 16,204.0 20,146.8
Liabilities of the segment 9,738.6 9,720.1 9,112.4 9,100.4 11,649.4

1Including net profit of affiliated entities recognised on an equity basis.

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