Profil:
ING Bank Śląski SAUPDATE: ING BSK bank posts PLN 1.135 bln Q2 attrib. net profit vs. PLN 1.079 bln net take expected
Listed lender ING BSK posted a PLN 1.135 billion (EUR 265.7 mln) attributable net profit in the second quarter of 2025 versus market expectations for a PLN 1.079 billion (EUR 252.6 mln) net take, the bank's second quarter data showed.
ING BSK Q2 RESULTS VERSUS CONSENSUS & PRIOR YEAR PERIOD
| 2Q2025 | consensus | vs consensus | |||
| PLN mln | PAP mln | % | |||
| Net interest | 2 173,00 | 2 257,10 | -3,70% | ||
| Net f&c | 584 | 585,4 | -0,20% | ||
| OPEX - total | 1 055 | 1 051,50 | 0,30% | ||
| Impairments | -192 | -235,1 | -18,30% | ||
| attrib Net Profit | 1 135 | 1 079,20 | 5,20% | ||
| 2Q2025 | 2Q2024 | y/y | 1Q2025 | q/q | |
| % | % | ||||
| Net interest | 2 173 | 2 041 | 6,00% | 2211 | -2,00% |
| Net f&c | 584 | 571 | 2,00% | 579 | 1,00% |
| OPEX - total | 1 055 | 978 | 8,00% | 1202 | -12,00% |
| Impairments | -192 | -292 | -34,00% | -209 | -8,00% |
| attrib Net Profit | 1 135 | 965 | 18,00% | 1014 | 12,00% |
During the first half of 2025, the bank acquired 167,300 new individual customers, which contributed to an increase in the number of customers served by 87,600 compared to the end of 2024.
The bank announced that in the fourth quarter of 2025 it plans to present an updated strategy, which will define strategic objectives (including financial ones), possible risks associated with the implementation of the strategy, as well as the bank's opportunities and competitive advantages.
The total capital ratio is 15.66 percent, and the Tier 1 capital ratio is 14.69 percent.
seb/ han/
