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.

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

We Reduce Our Environmental Impact

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  • [103-1]
    Explanation of the material topic and its Boundary
  • [103-2]
    The management approach and its components
  • [103-3]
    Evaluation of the management approach

While exercising environment care we are involved in the Environmental Programme

Our own activities have also environmental impact, e.g. through the consumption of resources by our personnel, through the use of IT systems and business travel. We are committed to reduce the environmental impact and to work closely with customers and suppliers to seize opportunities in the low-carbon and resource-efficient economy of the future. Our environmental approach describes how we manage our direct environmental impact.

By adopting the 2020 targets for improving environmental performance, we committed ourselves to:

  • reduce of greenhouse gas emissions by 84% by 2020 (2014 – base year). By 2019, we reduced emissions by 89%,
  • reduce our water consumption by 20% by 2020 (2014 – base year). By 2019, we reduced consumption by 9%.

Electricity

Since 2016, 100% of electric energy purchased by our Bank has come from renewable energy sources (RES). In 2019, we purchased certificates of energy origin for the fourth time and as a result we reduced our carbon footprint by over 70%. In the years to come we will also use green energy.

Our activities and goals concerning our environmental footprint are managed through ING Environmental Programme that has established the Environmental Management System (EMS). It provides for effective processes and continued improvement of our efficiency.

  • [302-4]
    Reduction of energy consumption

New energy-saving measures implemented in 2019:

  • we completed the first project of photovoltaic (PV) system in 50 Chorzowska Street – we installed 178 PV panels on the roof of the headquarters building, the power generation capacity of the entire system is 49.84 kW. The estimated energy yield is about 2-3% of our energy demand in the building at Chorzowska 50,
  • around the Katowice headquarters, we put up green benches, which use solar energy to recharge the phone or other devices. They are equipped with USB ports and an inductive charging capability. In addition, water bowls have been placed at the benches for tetrapods.

  • [302-1]
    Energy consumption within the organization

Our electric energy consumption

  • 31 920 924 kWh – 2019
  • 30 558 890 kWh – 2018
  • 31 530 936 kWh – 2017

An increase of 4.5% compared to 2018 is largely due to the weather conditions (hot summer) and numerous renovations and conversions at the Katowice headquarters.

Other types of energy (except for electric energy)

Pozostałe rodzaje energii
2019 2018 2017
Natural gas (m3) 105,356 188,968 202,705
Gas oil (l) 20,511 13,012 17,000

The increase in gas oil consumption is due to increased demand for the Data Centre services. If there are problems with the electric energy supply, the generator converts gas oil into electricity and thus takes over responsibility for the power supply to the individual components of the Data Centre infrastructure.

Car eco-policy

At the beginning of 2019, the Management Board approved the implementation of a long-term eco-strategy for the car fleet and changes in car policy. By 2022, we will have a full environment-friendly fleet at ING Bank Śląski, and by 2023 we will reduce our CO2 emissions by as much as 30%.

Under this new policy, an employee who resigns from a company car (which is allocated as a benefit related to the position held) in favour of the monthly allowance and declares the use the allowance exclusively for an environmentally friendly form of commuting, e.g. by foot, public transport, train, bicycle or ecological car (understood as a hybrid, electric or hydrogen car), will receive an eco-allowance, i.e. a higher amount than in the absence of declaration. This is another encouragement of employees to use green forms of commuting.

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We are also expanding our fleet of electric cars step by step.

Now we have 11 electric cars and 11 bank charging stations in 6 Polish cities: Katowice, Łódź, Kraków, Warsaw, Gdańsk and Wrocław.

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We manage waste wisely

  • We mandatorily sort waste at our branches. On top of this, we collect and safely destroy data carriers (either the paper or magnetic ones).
  • At each branch, we gather office waste like toners, furniture or electronic waste and have them recycled by an authorised company.
  • We extended the waste segregation with the collection of dead batteries. The containers are located in the rooms with printers and kitchenettes in all buildings of the Bank.
  • All Bank employees in Warsaw and Katowice Head Offices use the follow-me printing system. The solution enables printing a document only upon tapping the employee’s identification badge against the printer.
  • [306-2]
    Waste by type and disposal method
Total weight of hazardous waste, broken down by the following disposal methods
kg 2019 2018 2017
Recycling 1,487 4,130 17,894
Total weight of non-hazardous waste, broken down by the following disposal methods
kg 2019 2018 2017
Recycling 507,543 536,836 571,028
Total weight of waste
kg 2019 2018 2017
Waste paper 486,125 523,040 554,052
 Screens 1,487 570 14,094
 Electronic equipment and bulk waste 18,154 13,796 16,976
Toners 3,264 3,560 3,800
Total waste 509,030 540,966 588,922
Waste to be recycled 509,030 540,966 585,390
Waste not to be recycled 0 0 3,532
Total weight of hazardous waste, broken down by the following disposal methods
kg 2019 2018 2017
Recycling 1,487 4,130 17,894
Total weight of non-hazardous waste, broken down by the following disposal methods
kg 2019 2018 2017
Recycling 507,543 536,836 571,028
Total weight of waste
kg 2019 2018 2017
Waste paper 486,125 523,040 554,052
 Screens 1,487 570 14,094
 Electronic equipment and bulk waste 18,154 13,796 16,976
Toners 3,264 3,560 3,800
Total waste 509,030 540,966 588,922
Waste to be recycled 509,030 540,966 585,390
Waste not to be recycled 0 0 3,532

The waste disposal method is determined by the company responsible for the recycling of the waste supplied by the Bank.

  • [303-3]
    Water withdrawal

 

The Activities related to the Environmental Programme are supported by the OFF Culture project. In 2019, we continued the action of getting rid of plastics from our environment under the slogan: Reusable Love In 2019, we gave up using plastic bottles in all our branches – for customers of the branch network, water is served in ecological cups by the water dispensing machine. Meanwhile our personnel have access to filtered water and glass decanters.

In our opinion, the most effective education is to experience change and to participate actively in change. Therefore, apart from environmental care competitions, we offered our employees eco-packaging in restaurants located in the headquarters’ buildings in Katowice and a coffee discount in “Po prostu” coffee shop – if the customer brings along his own mug. We have completely withdrawn products in plastic packaging from vending machines and purchasing systems.

Our commitment was appreciated by both our employees and the jury of the Power of Content Marketing Awards 2019, which awarded us the first prize in the category: Content Marketing Strategy for Employees – for attentive and responsible trend-setting among employees. Through the OFF Culture operation we encourage to segregate waste consciously and to take a closer look at your choices and… plastics. A small symbol of a triangle, placed on the bottom of the box with a digit in the middle, will tell us what kind of material the box is made of and whether it is safe for us.

Used hardware such as laptops, PCs, monitors or printers, as well as furniture that is suitable for use are donated in kind to schools, hospitals or public interest organisations. Consequently hardware and furniture go to the needy instead of being disposed of.

Since 2017, we have been converting our outdoor advertising into everyday products. For the first time, we converted the outdoor advertisements used in the “My City” campaign into 1,000 bags, which then went into the hands of our customers.

Then “courier” backpacks became fashionable and we handed them out to young participants at the meetings accompanying the campaign titled “The best way is to do your things”. So far, as much as 4,700 m2 of our billboards have been replaced with 7,400 ecological bags, backpacks, hip packs and laptop bags. We distribute them both to our customers and personnel members.

We analysed the use of water for the Head Office buildings and regions. This helped us to set new modernisation standards for the Head Office and branch buildings. Another stage of the OFF Culture started; the action promotes water consumption reduction.

Water consumption
m3 2019 2018 2017
Water (the source of intake is municipal water supply system) 58,284 57,130 55,541

We did not take into account 58 ING Express locations for analysis, due to the location in shopping malls and 64 other locations where payment for water is included in the rent or service charges.

An increase in water consumption by 2.0% compared to 2018 was due to the failure of a 150 thousand litre fire water tank. To repair the leakage, the tank had to be emptied and then refilled after the repair. In addition, as a result of flooding, the underground car park facility in the headquarters building was flooded and it was necessary to clean it from silt and dirt, which required a significant water volume. In addition, in 2019 we carried out repairs and alterations, which also affected water consumption.

In 2019, the water aerators were replaced in all retail branches. In total, we replaced 400 water aerators. They were replaced as early as 2018 at the Katowice headquarters and in Warsaw. Therefore, all our points have water-saving mechanisms. Thanks to the new overlays, the water flow rate is 1.7l/min instead of 5l/min, which allows to save up to 60% of water.

 

The Activities related to the Environmental Programme are supported by the OFF Culture project. In 2019, we continued the action of getting rid of plastics from our environment under the slogan: Reusable Love In 2019, we gave up using plastic bottles in all our branches – for customers of the branch network, water is served in ecological cups by the water dispensing machine. Meanwhile our personnel have access to filtered water and glass decanters.

In our opinion, the most effective education is to experience change and to participate actively in change. Therefore, apart from environmental care competitions, we offered our employees eco-packaging in restaurants located in the headquarters’ buildings in Katowice and a coffee discount in “Po prostu” coffee shop – if the customer brings along his own mug. We have completely withdrawn products in plastic packaging from vending machines and purchasing systems.

Our commitment was appreciated by both our employees and the jury of the Power of Content Marketing Awards 2019, which awarded us the first prize in the category: Content Marketing Strategy for Employees – for attentive and responsible trend-setting among employees. Through the OFF Culture operation we encourage to segregate waste consciously and to take a closer look at your choices and… plastics. A small symbol of a triangle, placed on the bottom of the box with a digit in the middle, will tell us what kind of material the box is made of and whether it is safe for us.

Used hardware such as laptops, PCs, monitors or printers, as well as furniture that is suitable for use are donated in kind to schools, hospitals or public interest organisations. Consequently hardware and furniture go to the needy instead of being disposed of.

Since 2017, we have been converting our outdoor advertising into everyday products. For the first time, we converted the outdoor advertisements used in the “My City” campaign into 1,000 bags, which then went into the hands of our customers.

Then “courier” backpacks became fashionable and we handed them out to young participants at the meetings accompanying the campaign titled “The best way is to do your things”. So far, as much as 4,700 m2 of our billboards have been replaced with 7,400 ecological bags, backpacks, hip packs and laptop bags. We distribute them both to our customers and personnel members.

We analysed the use of water for the Head Office buildings and regions. This helped us to set new modernisation standards for the Head Office and branch buildings. Another stage of the OFF Culture started; the action promotes water consumption reduction.

Water consumption
m3 2019 2018 2017
Water (the source of intake is municipal water supply system) 58,284 57,130 55,541

We did not take into account 58 ING Express locations for analysis, due to the location in shopping malls and 64 other locations where payment for water is included in the rent or service charges.

An increase in water consumption by 2.0% compared to 2018 was due to the failure of a 150 thousand litre fire water tank. To repair the leakage, the tank had to be emptied and then refilled after the repair. In addition, as a result of flooding, the underground car park facility in the headquarters building was flooded and it was necessary to clean it from silt and dirt, which required a significant water volume. In addition, in 2019 we carried out repairs and alterations, which also affected water consumption.

In 2019, the water aerators were replaced in all retail branches. In total, we replaced 400 water aerators. They were replaced as early as 2018 at the Katowice headquarters and in Warsaw. Therefore, all our points have water-saving mechanisms. Thanks to the new overlays, the water flow rate is 1.7l/min instead of 5l/min, which allows to save up to 60% of water.

Eco-volunteering and #Trashchallenge

An increasing number of volunteer Programmes, e.g. carried out under the Good Idea competition, belong to eco-volunteering category. Our employees develop with project beneficiaries, inter alia, ecological paths, insect houses, flower meadows, mini greenhouses, as well as educate beneficiaries about ecology.

We also take part in the global #TrashChallange, which is Clean the World operation. In addition to nominating other companies, we decided to nominate our teams internally. We've already completed a few green belt cleaning operations, but after further nominations, there will certainly be more of them.

We promote sustainable transport

Since June 2018, Nextbike Polska, working hand in hand with our Bank, provides access to two “City by bike” stations – ING Sokolska (between Sokolska and Chorzowska offices buildings) and ING Roździeńska. City bikes are a great alternative to other means of transport. It can be useful for people who do not have bicycles, but also for those who leave their cars in large car parks or commuting by train.

In the underground car park facility in Sokolska Street, next to the cyclists’ zone, there is a scooter zone equipped with a stand for 20 electric scooters and a strip with charging terminals. This allows our personnel members who want to commute to work by electric scooters or bikes to recharge their vehicle while they are at work.

Business travels
km 2019 2018 2017
Business travels by company cars 24,684,714 26,450,992 26,829,329
Air travels 2,203,133 2,875,629 2,246,272

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