About report

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.

Integrated Annual Report
of ING Bank Śląski S.A. 2019

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    Key topics and concerns raised
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    Defining report content and topic Boundaries
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    List of material topics
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    Restatements of information
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    Changes in reporting
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    Reporting period
  • [102-51]
    Date of most recent report
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    Reporting cycle
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    Contact point for questions regarding the report
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    Claims of reporting in accordance with the GRI Standards

We are glad to provide you with another integrated report of ING Bank Śląski S.A., for the year 2019. We drafted the document in keeping with the top global standards:

  • international non-financial data reporting guidelines – Global Reporting Initiative GRI Standards – compliance with Core indicators, and
  • the integrated reporting guidelines of the International Integrated Reporting Council (IIRC).

The report also meets the formal requirements set out in the Minister of Finance Ordinance of 19 February 2009 on Current and Periodic Information Published by Issuers of Securities and the Conditions for Regarding Information Required by the Law of a Non-Member State as Equivalent.

The report discusses the operations of the ING Bank Śląski S.A. Group from 1 January 2019 to 31 December 2019, unless another period has been given. Both the financial and non-financial data are disclosed for the ING Bank Śląski S.A. Group (plus selected financial data for ING Bank Śląski S.A.). The size, structure, ownership or supply chain of our bank did not change materially in the reporting period. The report does not include any restatements. As far as the reporting scope or applied measurement methods are concerned, this report does not differ from the previous one. It discusses the operations of the ING Bank Śląski S.A. Group and their deliverables.

In the report, we included material particulars of the strategy, management and results of as well as the outlook for our bank. The information was disclosed considering the economic, social and environmental landscapes. We also presented our understanding of the corporate responsibility and our social footprint – today and in the future. We believe that our integrated report explains how the non-financial aspects of our business shape our capacity to create and keep value in the short-, mid- and long-term.

We publish the report on an annual basis. The previous report for 2018 was published in March 2019.

In accordance with the guidelines of GRI Standards, we carried out a three-stage process:

During that stage, we identified the key issues concerning the bank’s responsibility and business. We analysed other sources, too. They included but were not limited to press publications in the reporting period, the topics covered by internal communications, the current business blueprint and the sustainability strategy. We also reviewed the topics of significance for non-financial reporting by our sector.

We have conducted surveys among external stakeholders, including: clients, analysts, regulators, investors, the media, NGOs, suppliers, students and our employees. With the survey deliverables, we were able to define the most important topics to be included in the report.

We have verified and clarified the indicated topics with the management staff. The management has determined the measure of the impact of the identified topics on the environment and on the Bank. It translated directly into the reported aspects.

During that stage, we identified the key issues concerning the bank’s responsibility and business. We analysed other sources, too. They included but were not limited to press publications in the reporting period, the topics covered by internal communications, the current business blueprint and the sustainability strategy. We also reviewed the topics of significance for non-financial reporting by our sector.

We have conducted surveys among external stakeholders, including: clients, analysts, regulators, investors, the media, NGOs, suppliers, students and our employees. With the survey deliverables, we were able to define the most important topics to be included in the report.

We have verified and clarified the indicated topics with the management staff. The management has determined the measure of the impact of the identified topics on the environment and on the Bank. It translated directly into the reported aspects.

Key prioritisation and validation process aspects
No. Aspect Our response in the report
1. Environmental initiatives as part of the green office
  • We are reducing our environmental impact
2. Employer branding, approach to recruitment, promotion and bonus rules in the company
  • Employment terms and conditions
  • Recruitment of new employees
3. Initiatives in the field of financial education
  • Financial education and development of entrepreneurship
4. Investments supporting environmental protection
  • We support green investment projects
5. Key stakeholders and relations with them, relations with local communities
  • Our relationships with external parties
6. The bank’s response to climate changes
  • Environment
7. Approach to the reduction of resources consumption
  • We are reducing our environmental impact
8. Bank employees – value and potential, knowledge management, training and development
  • An innovative workplace and competent employees
  • Employees’ development
9. Ensure respect for human rights.
  • Ethics, values and compliance
10. Digitalization/ digitalization, e.g. electronic banking
  • Customer experience
11. Educational activities addressed to clients
  • Customer experience
12. Innovativeness, such as cooperation with start-ups
  • We support green investment projects
  • An innovative workplace and competent employees
13. Corporate governance and the manner of bank management
  • Rules and scope of corporate governance
14. Opportunities and plans for the bank’s development, ING Bank Śląski against the background of competition in Poland
  • What makes us stand out
15. Types of bank products, launch of new products
  • Customer experience
16. The method of building customer relations, customer satisfaction, maching banking services to he needs of various customer  groups, serving customers with disabilities
  • Customer experience
17. Bank’s strategy and its implementation
  • ING Bank Śląski strategy
18. Difficult situations in relationships with clients – complaints and grievances
  • Customer experience
19. Integrity and ethical attitude in all business activities, compliance with anti-corruption regulations
  • Ethics, values and compliance
20. ING Bank Śląski footprint
  • Value creation model
21. Preserving the security of customer data
  • Personal data security
22. Environmental initiatives as part of the green office
  • We are reducing our environmental impact

 

 

Report compilation works were coordinated by a team composed of representatives of CSR, investor relations and financial reporting areas. This report was produced thanks to many people.

These are first and foremost:

  • employees of all layers who participated in the preparatory works, filled in the questionnaires, attended the workshops and developed report data,
  • customers, analysts, regulators, investors, the media, NGOs, vendors, who responded to our survey.

The contribution of all the people and institutions allowed us to prepare the Management Board Report on ING Bank Śląski S.A. Group Operations in 2019.

In case of questions, please inquire about the report with:

  • Iza Rokicka
    Investor Relations Bureau Director
    Finance Division
    Phone +48 22 820-4416
    e-mail: iza.rokicka@ing.pl
  • Klaudia Borys
    Senior Specialist of Sustainability and CSR
    Bank Management Board Bureau
    Phone +48 606 494 289
    e-mail: klaudia.borys@ing.pl

In the report, we have described in detail the key topics. We make both disclosures on management approach and the corresponding indicators. Further, we resolved to present the other reporting aspects reflecting best their nature and weight for the organisation.

  • Occupational health and safety
  • Investment activity, securing funding for investment projects, ensuring financial stability of the Company
  • Activities in the field of bank’s social involvement, employee volunteering
  • Responsible sales, responsible marketing – internal policies, procedures, etc.
  • Relationships with trade unions
  • Improvements in procurement practices, such as vendor assessment in non-financial terms, environmental terms, and in terms of employee practices
  • Promoting entrepreneurship – products and services dedicated to Small and Mid-Sized Enterprises
  • Diversity management – guidelines and policies (information about employees with disabilities, older people at particular levels in the management structure, equality of wages for women and men)
  • Risk management, including image risk, social risk, environmental risk (e.g. environmental risk of investment projects funded by the bank)

Figures used in the report were retrieved from internal reporting systems. Before being published they were all internally verified.

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