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.

Choose your path Client Staff member Market and media

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

Report by business segment

katowice_ing_01-2020_rk_0804 katowice_ing_01-2020_rk_0804

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

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

In 2019, the Group result before tax broken down into segments was as follows.

 Change currency: PLNEURUSD

In 2019, results of the retail banking segment and of the corporate banking segment accounted for 57.9% and 42.1% of the Group’s result before tax respectively (in 2018: 60.6% and 39.4% respectively).

 Change currency: PLNEURUSD
Result before tax in retail banking segment
2019 2018 2017 2016 2015 Change 2019 / 2018
PLN million PLN million %
Net interest income 2,721.3 2,386.4 2,133.3 1,862.6 1,516.9 334.9 14.0%
Net commission income 547.1 514.3 426.9 380.7 363.0 32.8 6.4%
Other income 63.9 140.7 118.4 228.8 208.4 -76.8 -54.6%
Total revenue 3,332.3 3,041.4 2,678.6 2,472.1 2,088.3 290.9 9.6%
Operating expenses 1,524.3 1,385.2 1,272.7 1,235.6 1,317.4 139.1 10.0%
Risk costs 309.3 271.0 160.3 137.5 69.9 38.3 14.1%
Bank levy 190.5 154.9 126.5 101.7 0.0 35.6 23.0%
Gross financial result 1,308.2 1,230.3 1,119.1 997.3 701.0 77.9 6.3%
Result before tax in retail banking segment
2019 2018 2017 2016 2015 Change 2019 / 2018
PLN million PLN million %
Net interest income 632.6 559.3 502.6 425.7 362.5 73.3 13.1%
Net commission income 127.2 124.2 100.6 87.0 86.7 3.0 2.4%
Other income 18.1 27.7 27.9 52.3 49.8 -9.5 -34.4%
Total revenue 777.9 711.1 631.0 565.0 499.0 66.8 9.4%
Operating expenses 354.3 324.6 299.8 282.4 314.8 29.7 9.1%
Risk costs 71.9 63.5 37.8 31.4 16.7 8.4 13.2%
Bank levy 44.3 36.3 29.8 23.2 0.0 8.0 22.0%
Gross financial result 307.4 286.6 263.6 227.9 167.5 20.7 7.2%
Result before tax in retail banking segment
2019 2018 2017 2016 2015 Change 2019 / 2018
PLN million PLN million %
Net interest income 707.9 658.7 569.8 469.4 399.9 49.2 7.5%
Net commission income 142.3 146.2 114.0 95.9 95.7 -3.9 -2.7%
Other income 20.3 32.6 31.6 57.7 54.9 -12.3 -37.7%
Total revenue 870.6 837.5 715.5 623.0 550.6 33.0 3.9%
Operating expenses 396.5 382.4 339.9 311.4 347.3 14.2 3.7%
Risk costs 80.5 74.8 42.8 34.7 18.4 5.7 7.6%
Bank levy 49.6 42.8 33.8 25.6 0.0 6.8 15.9%
Gross financial result 344.0 337.6 298.9 251.3 184.8 6.4 1.9%
 Change currency: PLNEURUSD
Result before tax in corporate banking segment
PLN million 2019 2018 2017 2016 2015 Change 2019 / 2018
mln zł %
Net interest income 1 572,6 1 372,9 1 256,1 1 090,8 950,2 199,7 14,5%
Net commission income 824,6 790,6 769,1 684,1 654,2 34,0 4,3%
Other income 66,9 27,5 65,3 77,5 85,4 39,4 143,3%
Total revenue 2 464,1 2 191,0 2 090,5 1 852,4 1 689,8 273,1 12,5%
Operating expenses 973,1 941,6 863,1 863,6 838,3 31,5 3,3%
Risk costs 296,2 229,9 260,9 163,1 162,2 66,3 28,8%
Bank levy 245,2 218,9 203,6 178,5 0,0 26,3 12,0%
Gross financial result 949,6 800,6 762,9 647,2 689,3 149,0 18,6%
Result before tax in corporate banking segment
2019 2018 2017 2016 2015 Change 2019 / 2018
mln mln %
Net interest income 365,6 321,8 295,9 249,3 227,1 43,8 13,6%
Net commission income 191,7 181,7 181,2 156,3 156,3 10,0 5,5%
Other income 12,3 11,8 15,4 17,7 20,4 0,5 4,3%
Total revenue 569,5 515,2 492,5 423,3 403,8 54,4 10,5%
Koszty operacyjne 226,2 220,7 203,3 197,4 200,3 5,5 2,5%
Risk costs 68,9 53,9 61,5 37,3 38,8 15,0 27,8%
Bank levy 57,0 51,3 48,0 40,8 0,0 5,7 11,1%
Gross financial result 217,5 189,3 179,7 147,9 164,7 28,1 14,9%
Result before tax in corporate banking segment
2019 2018 2017 2016 2015 Change 2019 / 2018
mln mln %
Net interest income 409,1 379,0 335,5 274,9 250,5 30,1 8,0%
Net commission income 214,5 214,0 205,4 172,4 172,5 0,6 0,3%
Other income 13,7 13,9 17,4 19,5 22,5 -0,1 -0,9%
Total revenue 637,4 606,8 558,4 466,8 445,5 30,6 5,0%
Koszty operacyjne 253,2 259,9 230,5 217,6 221,0 -6,8 -2,6%
Risk costs 77,1 63,5 69,7 41,1 42,8 13,6 21,4%
Bank levy 63,8 60,4 54,4 45,0 0,0 3,4 5,6%
Gross financial result 243,4 223,0 203,8 163,1 181,7 20,4 9,1%
 Change currency: PLNEURUSD
Result before tax in retail banking segment
2019 2018 2017 2016 2015 Change 2019 / 2018
PLN million PLN million %
Net interest income 2,721.3 2,386.4 2,133.3 1,862.6 1,516.9 334.9 14.0%
Net commission income 547.1 514.3 426.9 380.7 363.0 32.8 6.4%
Other income 63.9 140.7 118.4 228.8 208.4 -76.8 -54.6%
Total revenue 3,332.3 3,041.4 2,678.6 2,472.1 2,088.3 290.9 9.6%
Operating expenses 1,524.3 1,385.2 1,272.7 1,235.6 1,317.4 139.1 10.0%
Risk costs 309.3 271.0 160.3 137.5 69.9 38.3 14.1%
Bank levy 190.5 154.9 126.5 101.7 0.0 35.6 23.0%
Gross financial result 1,308.2 1,230.3 1,119.1 997.3 701.0 77.9 6.3%
Result before tax in retail banking segment
2019 2018 2017 2016 2015 Change 2019 / 2018
PLN million PLN million %
Net interest income 632.6 559.3 502.6 425.7 362.5 73.3 13.1%
Net commission income 127.2 124.2 100.6 87.0 86.7 3.0 2.4%
Other income 18.1 27.7 27.9 52.3 49.8 -9.5 -34.4%
Total revenue 777.9 711.1 631.0 565.0 499.0 66.8 9.4%
Operating expenses 354.3 324.6 299.8 282.4 314.8 29.7 9.1%
Risk costs 71.9 63.5 37.8 31.4 16.7 8.4 13.2%
Bank levy 44.3 36.3 29.8 23.2 0.0 8.0 22.0%
Gross financial result 307.4 286.6 263.6 227.9 167.5 20.7 7.2%
Result before tax in retail banking segment
2019 2018 2017 2016 2015 Change 2019 / 2018
PLN million PLN million %
Net interest income 707.9 658.7 569.8 469.4 399.9 49.2 7.5%
Net commission income 142.3 146.2 114.0 95.9 95.7 -3.9 -2.7%
Other income 20.3 32.6 31.6 57.7 54.9 -12.3 -37.7%
Total revenue 870.6 837.5 715.5 623.0 550.6 33.0 3.9%
Operating expenses 396.5 382.4 339.9 311.4 347.3 14.2 3.7%
Risk costs 80.5 74.8 42.8 34.7 18.4 5.7 7.6%
Bank levy 49.6 42.8 33.8 25.6 0.0 6.8 15.9%
Gross financial result 344.0 337.6 298.9 251.3 184.8 6.4 1.9%
 Change currency: PLNEURUSD
Result before tax in corporate banking segment
PLN million 2019 2018 2017 2016 2015 Change 2019 / 2018
mln zł %
Net interest income 1 572,6 1 372,9 1 256,1 1 090,8 950,2 199,7 14,5%
Net commission income 824,6 790,6 769,1 684,1 654,2 34,0 4,3%
Other income 66,9 27,5 65,3 77,5 85,4 39,4 143,3%
Total revenue 2 464,1 2 191,0 2 090,5 1 852,4 1 689,8 273,1 12,5%
Operating expenses 973,1 941,6 863,1 863,6 838,3 31,5 3,3%
Risk costs 296,2 229,9 260,9 163,1 162,2 66,3 28,8%
Bank levy 245,2 218,9 203,6 178,5 0,0 26,3 12,0%
Gross financial result 949,6 800,6 762,9 647,2 689,3 149,0 18,6%
Result before tax in corporate banking segment
2019 2018 2017 2016 2015 Change 2019 / 2018
mln mln %
Net interest income 365,6 321,8 295,9 249,3 227,1 43,8 13,6%
Net commission income 191,7 181,7 181,2 156,3 156,3 10,0 5,5%
Other income 12,3 11,8 15,4 17,7 20,4 0,5 4,3%
Total revenue 569,5 515,2 492,5 423,3 403,8 54,4 10,5%
Koszty operacyjne 226,2 220,7 203,3 197,4 200,3 5,5 2,5%
Risk costs 68,9 53,9 61,5 37,3 38,8 15,0 27,8%
Bank levy 57,0 51,3 48,0 40,8 0,0 5,7 11,1%
Gross financial result 217,5 189,3 179,7 147,9 164,7 28,1 14,9%
Result before tax in corporate banking segment
2019 2018 2017 2016 2015 Change 2019 / 2018
mln mln %
Net interest income 409,1 379,0 335,5 274,9 250,5 30,1 8,0%
Net commission income 214,5 214,0 205,4 172,4 172,5 0,6 0,3%
Other income 13,7 13,9 17,4 19,5 22,5 -0,1 -0,9%
Total revenue 637,4 606,8 558,4 466,8 445,5 30,6 5,0%
Koszty operacyjne 253,2 259,9 230,5 217,6 221,0 -6,8 -2,6%
Risk costs 77,1 63,5 69,7 41,1 42,8 13,6 21,4%
Bank levy 63,8 60,4 54,4 45,0 0,0 3,4 5,6%
Gross financial result 243,4 223,0 203,8 163,1 181,7 20,4 9,1%

Change currency to:

Change:

Search results: