Despite
many
unfavorable
external
factors,
the
ING
Bank
Śląski
S.A.
Capital
Group
has
consistently
implemented
its
business
strategy
focused
on
customer
needs.
The
goal
is
to
increase
the
scale
of
operations
by
acquiring
new
customers
and
offering
convenient
and
modern
solutions
and
products
designed
to
meet
the
expectations
of
customers
in
all
segments of activity.
In
2024,
the
consolidated
net
profit
of
the
ING
Bank
Śląski
Group
amounted
to
PLN
4,369
million,
compared
to
PLN
4,441
million
in
2023.
The
Group
increased
its
loan
and
deposit
portfolio,
while
maintaining
good
asset
quality
and
keeping
a
strong
capital
and
liquidity
position.
The
share
in
the
corporate
segment
loans
amounted
to
11.9%
(-0.1
pp
y/y),
and
in
the
market
of
loans
for
individual
customers
9.9%
(+0.5
pp
y/y),
while
the
value
of
loans
increased
by
6%
to
PLN
167.4
billion
compared
to
2023.
In
2024,
the
Group
acquired
293,000
retail
customers
and
62,000
corporate
customers.
In
total,
at
the
end
of
2024,
it
served
4.6
million
retail
customers
and
572,000
companies
in
corporate
banking.
At
the
end
of
2024,
the
total
capital
ratio
was
at
a
safe level of 14.85%.
The
ING
Bank
Śląski
Group
remains
one
of
the
most
profitable
banking
entities
in
Poland.
In
2004,
the
return
on
equity
(ROE)
after
adjustment
by
MCFH
was
20.4%,
compared
to
22.9%
in
the previous year.
The
Group
continued
actions
related
to
the
ESG
transformation.
Matters
related
to
climate
change
and
environmental
protection,
social
issues
and
corporate
governance
are
an
integral
part
of
the
bank's
long-term
strategy
and
identity.
This
approach
is
also
reflected
in
the
bank's
offer of sustainable financial solutions for both retail and corporate customers.
Last
year,
the
Supervisory
Board
participated
in
making
decisions
of
fundamental
importance
for
the
ING
Bank
Śląski
Group.
One
of
them
was
the
selection
of
Michał
Bolesławski
as
the
new
President
of
the
Bank,
who
will
replace
Brunon
Bartkiewicz
after
the
end
of
the
General
Meeting
approving the financial statements for 2024.
With
special
attention,
the
Supervisory
Board
also
monitored
the
Bank's
risk
management
areas,
including
non-financial
and
compliance
risk,
liquidity
and
capital
adequacy.
It
supervised
the
implementation
of
compliance
and
internal
audit
tasks.
In
addition,
the
areas
monitored
included:
relations
with
the
external
auditor,
human
resources
and
payroll,
implementation
of
recommendations
issued
by
supervisory
bodies,
and
issues
in
the
area
of
bank
management.
The
Supervisory
Board
was
also
involved
in
setting
the
priority
directions
for
the
Group's
development.
The
members
of
the
Supervisory
Board
were
part
of
the
Audit
Committee,
the
Risk Committee and the Remuneration and Nomination Committee.
On
behalf
of
the
Supervisory
Board,
I
would
like
to
thank
all
Employees
and
Members
of
the
Management
Board
for
another
challenging
year,
for
their
commitment
and
professionalism
in
building
the
scale
of
the
Group's
operations
and
value,
and
also
thank
the
Shareholders
and
Customers for the trust they have placed in us.
