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We promote cashless payments and develop our products and services in that area. The facilities that we implement are for the benefit for all the parties involved. Our corporate clients reduce the costs of the cash service and our retail clients may select the payment method that is the most convenient for them.

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We show that positive opinions are important and necessary for the companies and mobilise them to take action. That is why, in 2018, we posted short online video clips with clients’ opinions on their favourite companies.

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We encourage our employees to be physically active. In 2018, we were the General Partner of Run Warsaw for the second time. Because of our involvement, more than 1000 of our employees ran or marched for the ING Children Foundation.

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We are proactive in supporting and promoting solutions relating to environment protection. We are taking efforts to combat climate change. We care about your and #myair. We also support the development of electro-mobility and car sharing.

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2018 year in numbers
Credit volumes gross (PLN billion)
Retail segment y/y
15 211 M PLN
Corporate segment y/y
The LTD ratio
ING Bank Śląski Capital Group
Market share in loans
Institutional cilents
Market share in deposits
Institutional cilents
Number of clients per FTE
Number of clients (million)
Number of clients per FTE
Commercial balance per FTE
Commercial balance
Commercial balance per FTE
Return on equity (ROE)
ING Bank Śląski
Cost to income ratio
ING Bank Śląski
Total (thousand)
Retail clients y/y
Corporate clients y/y
Retail clients (thousand)
Individual clients
Corporate clients
SME and mid-corporates
Number of employees
Persons y/y
FTEs y/y
Employee turnover ratio
Employee turnover ratio
The activities of our volunteers
Hours dedicated to volunteering
The number of volunteers
of the President
Ladies and Gentlemen,
We would like to present to you the annual report of the ING Bank Śląski S.A. Group for 2018. We do believe that our financial results and commercial performance prove that the Bank and the whole Group are heading in the right direction. Invariably, we put great focus on customer needs, high quality of service, innovative products and services and sustainability, and we consistently develop in these areas. With such an approach, we continue to cement our competitive position.
Brunon Bartkiewicz
President of the Management Board
human financial environmental social intellectual Capital Employee development Deposit security supported by a strong capital position Involvement in pro-ecological projects The growing base of satisfied customers High ROE and dividend Customer experience Supporting sustainable development Risk and security management Engaged employees and a strong employer Stability and predictability How our bank works
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