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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

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As at 2019 yearend, the Group of ING Bank Śląski S.A. held:

  • contingent liabilities granted in the total amount of PLN 36.5 billion. This implies that they were up by 6.6% or by PLN 2.3 billion compared to the end of 2018,
  • received contingent liabilities worth PLN 97.0 billion (i.e. up by 4.0% compared to the previous year).
 Change currency: PLNEURUSD
Off-balance sheet items of ING Bank Śląski S.A. Group
PLN million 2019 2018 2017 2016 2015
Contingent liabilities granted 36,547.7 34,284.1 29,953.3 27,954.5 24,423.2
Unutilised credit lines 27,699.0 25,791.0 22,250.4 21,302.2 17,760.7
Guarantees 5,837.2 5,575.6 4,897.7 3,989.1 4,038.4
Unutilised overdrafts 1,425.6 1,371.2 1,336.1 1,273.7 1,310.3
Credit card limits 1,389.9 1,251.2 1,078.9 997.7 921.7
Letters of Credit 196.0 295.1 390.2 391.8 392.1
Contingent liabilities received 96,981.1 93,219.1 82,850.1 79,093.3 53,515.3
Off-balance sheet items total 133,528.8 127,503.2 112,803.4 107,047.8 77,938.5
Off-balance sheet items of ING Bank Śląski S.A. Group
PLN million 2019 2018 2017 2016 2015
Contingent liabilities granted 8,582.3 7,973.0 7,181.5 6,318.8 5,731.1
Unutilised credit lines 6,504.4 5,997.9 5,334.7 4,815.1 4,167.7
Guarantees 1,370.7 1,296.7 1,174.3 901.7 947.6
Unutilised overdrafts 334.8 318.9 320.3 287.9 307.5
Credit card limits 326.4 291.0 258.7 225.5 216.3
Letters of Credit 46.0 68.6 93.6 88.6 92.0
Contingent liabilities received 22,773.5 21,678.9 19,863.8 17,878.2 12,557.9
Off-balance sheet items total 39,938.1 37,625.0 34,226.8 30,515.9 24,020.1
Off-balance sheet items of ING Bank Śląski S.A. Group
PLN million 2019 2018 2017 2016 2015
Contingent liabilities granted 9,623.6 9,118.8 8,604.1 6,688.8 6,260.6
Unutilised credit lines 7,293.6 6,859.9 6,391.4 5,097.1 4,552.7
Guarantees 1,537.0 1,483.0 1,406.9 954.5 1,035.2
Unutilised overdrafts 375.4 364.7 383.8 304.8 335.9
Credit card limits 366.0 332.8 309.9 238.7 236.3
Letters of Credit 51.6 78.5 112.1 93.7 100.5
Contingent liabilities received 25,536.8 24,794.3 23,798.6 18,925.0 13,718.0
Off-balance sheet items total 44,784.1 43,032.0 41,006.7 32,302.6 26,239.2

Details of off-balance items are presented in the Annual Consolidated Financial Statements of ING Bank Śląski S.A. Group for 2019.

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