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

Core effectiveness ratios

katowice_ing_01-2020_rk_0757 katowice_ing_01-2020_rk_0757
Key effectiveness ratios for ING Bank Śląski S.A. Group in 2015-2019
2019 2018 2017 2016 2015 Change 2019 to 2018
C/I ratio 43.1% 44.5% 44.8% 48.5% 57.1% -1.4 p.p.
C/I ratio – adjusted 431% 44.5% 44.9% 50.5% 54.2% -1.4 p.p.
ROA 1.10% 1.15% 1.16% 1.10% 1.07% -0.05 p.p.
ROE 11.6% 12.4% 12.6% 11.7% 11.0% -0.8 p.p.
ROE – adjusted 12.8% 12.8% 12.9% 12.8% 12.2% +0.1 p.p.
Interest margin ratio 2.93% 2.93% 2.88% 2.67% 2.45% +0.01 p.p.
LTD ratio 90.7% 87.6% 83.8% 81.5% 78.2% +3.0 p.p.
LCR 130% 133% 145% 155% 178% -3 p.p.
NSFR 130% 131% 122% 124% 124% -1 p.p.
LR according to transitional definition 7.23 7.42 7.68 7.10 6.71 -0.19
Total capital ratio 16.87% 15.58% 16.71% 14.73% 13.74% +1.29 p.p.
Tier 1 ratio 14.41% 14.74% 15.78% 13.70% 13.74% -0.33 p.p.

Cost to Income ratio (C/I) adjusted – Operating costs/ total income together with net profit of affiliated entities recognised on an equity basis, excluding the following income: 1) dividends of PLN 82.1 million from ING PTE in Q2 2015, 2) income on sale of ING PTE of PLN 18.4 million in Q3 2015; 3) income of PLN 189.6 million under the VISA Europe transaction in Q2 2016 and 4) income of PLN 11.9 million under the Visa Inc. transaction in Q2 2017 and excluding the following costs: 1) extraordinary contribution to BGF stemming from the bankruptcy of SK Bank (Bank Rzemiosła i Rolnictwa) in Wołomin of PLN 157.4 million in Q4 2015, 2) provision for Mortgage Support Fund contribution of PLN 6.4 million in Q4 2015, 3) extraordinary contribution to BGF under the bankruptcy of the Cooperative Bank in Nadarzyn of PLN 12.2 million in Q4 2016.

Return on Equity (ROE) adjusted – return on equity excluding the revaluation reserve for the cash-flow hedging instruments – net profit/ average equity for 5 subsequent quarters (excluding the revaluation reserve for the cash-flow hedging instruments).

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