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https://brand.ing.com Changing a photo • Select a new photo from our Brand site https://brand.ing.com and save the file on your computer. • Click on the existing photo and choose “Change Picture” via the right mouse button and choose “From a File…” • In the dialogue box, select the new photo and click “Insert”. • Finally, click on the new photo and choose “Move to Back” via the right mouse button to ensure the title is layered on top of the image. Adjusting photos within image frames Sometimes a newly added photo doesn’t sit nicely in its frame and needs to be adjusted i.e. moving the subject to the centre. • Select the photo you want to adjust. • Go to the Picture Format tab in the top navigation. • Click the “Crop” button and scale or move the image within the crop box. • Make sure that your picture is properly visible and not stretched. • Click outside of the photo frame to save the crop. ING logo or identifier: which cover should I use? You can choose between covers with the ING logo or with the ING identifier. The identifier is best applied in commercial and informal presentations, assuming it has significant brand recognition in your market. It is less suitable for formal information Changing the text/background color To change the background colour of your slide, just right click on it and choose “Format Background…”. Ensure that “Solid fill” is selected and choose one of our secondary brand colours by clicking the paint bucket icon next to “Colour”. To change the text colour, select the text you want to change and navigate to the “Home” tab. Here you will find the “Font Colour” button next to the font size and highlight options. Click on this and select either white or black colour swatch. To ensure the slides remain legible, please use one of the following text/background pairings for the correct contrast: Text Text - preliminary financial and business results for Q4 2025 ING Bank Śląski S.A. Warsaw, 10 February 2026
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Changing numbered lists to bullet points • Select the text frame • In the “Home” tab click the “Bullet List” button, situation right next to the font style and “Numbering” button https://brand.ing.com Changing a photo • Select a new photo from our Brand site https://brand.ing.com and save the file on your computer. • Click on the existing photo and choose “Change Picture” via the right mouse button and choose “From a File…” • In the dialogue box, select the new photo and click “Insert”. • Finally, click on the new photo and choose “Move to Back” via the right mouse button to ensure the title is layered on top of the image. Adjusting photos within image frames Sometimes a newly added photo doesn’t sit nicely in its frame and needs to be adjusted i.e. moving the subject to the centre. • Select the photo you want to adjust. • Go to the Picture Format tab in the top navigation. • Click the “Crop” button and scale or move the image within the crop box. • Make sure that your picture is properly visible and not stretched. • Click outside of the photo frame to save the crop. Table of contents 2 1. Introduction to financial results and the Bank’s market position 2. Updated information on the macroeconomic situation according to the ING Analyses Bureau 3. Financial results for Q4 2025 4. Appendices
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Changing the text/background color To change the background colour of your slide, just right click on it and choose “Format Background…”. Ensure that “Solid fill” is selected and choose one of our secondary brand colours by clicking the paint bucket icon next to “Colour”. To change the text colour, select the text you want to change and navigate to the “Home” tab. Here you will find the “Font Colour” button next to the font size and highlight options. Click on this and select either white or black colour swatch. To ensure the slides remain legible, please use one of the following text/background pairings for the correct contrast: Text Text Text Text Text Text Text https://brand.ing.com Changing a photo • Select a new photo from our Brand site https://brand.ing.com and save the file on your computer. • Click on the existing photo and choose “Change Picture” via the right mouse button and choose “From a File…” • In the dialogue box, select the new photo and click “Insert”. • Finally, click on the new photo and choose “Move to Back” via the right mouse button to ensure the title is layered on top of the image. Adjusting photos within image frames Sometimes a newly added photo doesn’t sit nicely in its frame and needs to be adjusted i.e. moving the subject to the centre. • Select the photo you want to adjust. • Go to the Picture Format tab in the top navigation. • Click the “Crop” button and scale or move the image within the crop box. • Make sure that your picture is properly visible and not stretched. • Click outside of the photo frame to save the crop. Introduction to financial results and the Bank’s market position
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Key facts – Q4 2025 4 Client base Client volumes Financial results in Q4 2025 MCFH-adjusted ROE = total net profit for 4 consecutive quarters / average equity for 5 subsequent quarters excluding MCFH; *according to NBP data. • 62 thousand new retail clients and 15 thousand new corporate clients in Q4 2025 • The number of outgoing electronic transfers of individual clients in Moje ING increased by 4% y/y in Q4 2025 • Our corporate clients made 14% y/y more mobile banking transfers in Q4 2025 • Retail loans portfolio increased by PLN 2.0 billion q/q to the level of PLN 80.4 billion (+ PLN 9.2 billion y/y) • Corporate loans portfolio increased by PLN 2.0 billion q/q and amounted to PLN 100.7 billion (+ PLN 4.6 billion y/y) • Clients’ deposits increased by PLN 3.1 billion q/q to the level of PLN 233.4 billion (+ PLN 15.2 billion y/y) • The Bank’s L/D ratio was 76.6% vs. 65.3% in banking sector* • Net interest income amounted to PLN 2,295 million (+5% q/q, +2% y/y) • Net fee and commission income of PLN 598 million (without change q/q, +6% y/y) • Opex amounted to PLN 980 million (-6% q/q, +5% y/y) • Net profit of PLN 1,372 million (+23% q/q, +5% y/y) • Cumulative ROE adjusted for MCFH is 20.8% (20.4% a year earlier)
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Market shares 5 Corporate deposits Corporate loans Retail loans Retail deposits Notes: Note: Market data – NBP data on monetary financial institutions (Monrep, WEBIS); ING BSK – total standalone data of ING BSK and ING Bank Hipoteczny, as per NBP segmentation (Monrep, WEBIS). *Including individual entrepreneurs and individual farmers; **Excluding FX mortgage loans. 9.1 9.3 10.2 10.7 11.1 12.0 12.6 12.0 11.9 12.0 11.9 11.8 11.9 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q 25 2Q 25 3Q 25 4Q 25 4.9 5.8 6.5 7.3 8.1 9.2 9.2 9.4 9.9 10.1 10.3 10.5 10.6 8.3 9.3 10.3 11.6 12.6 13.5 13.5 13.2 13.5 13.8 14.0 14.1 14.2 3.49 3.83 3.98 4.20 4.42 4.87 4.72 4.75 4.81 4.80 4.80 4.87 4.93 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q 25 2Q 25 3Q 25 4Q 25 Individuals’ loans PLN mortgage loans Cash loans 7.8 8.4 8.8 9.1 9.1 9.5 10.6 10.7 10.3 10.1 10.2 10.4 9.8 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q 25 2Q 25 3Q 25 4Q 25 8.6 8.8 9.2 9.4 10.0 10.4 10.4 10.0 10.1 10.3 10.3 10.2 10.2 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q 25 2Q 25 3Q 25 4Q 25
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Business volumes 6 PLN million Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 change % q/q change % y/y change q/q change y/y Total client deposits 211,340 209,157 210,156 218,148 221,180 223,650 230,214 233,356 + 1% + 7% 3,142 15,208 Corporate deposits 88,865 89,626 89,579 92,474 89,384 90,373 95,759 97,305 + 2% + 5% 1,546 4,831 Retail deposits 122,475 119,531 120,577 125,674 131,796 133,277 134,455 136,051 + 1% + 8% 1,596 10,377 Total funds entrusted by retail clients 145,326 143,547 145,585 151,196 159,921 163,521 166,614 169,915 + 2% + 12% 3,301 18,719 Investment funds and other off-balance sheet products distributed by the Bank 22,851 24,016 25,008 25,522 28,125 30,244 32,159 33,864 + 5% + 33% 1,705 8,342 Total client loans 160,278 163,840 165,723 167,415 170,431 174,318 177,104 181,159 + 2% + 8% 4,055 13,744 Loans to corporate banking clients incl. leasing and factoring 94,205 95,819 96,226 96,148 97,199 98,464 98,732 100,735 + 2% + 5% 2,003 4,587 Loans to retail clients 66,073 68,021 69,497 71,267 73,232 75,854 78,372 80,424 + 3% + 13% 2,052 9,157 Mortgage 56,715 58,292 59,689 61,295 63,117 65,508 67,563 69,268 + 3% + 13% 1,705 7,973 Cash loans 7,968 8,309 8,387 8,552 8,706 8,913 9,343 9,699 + 4% + 13% 356 1,147
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Changing the text/background color To change the background colour of your slide, just right click on it and choose “Format Background…”. Ensure that “Solid fill” is selected and choose one of our secondary brand colours by clicking the paint bucket icon next to “Colour”. To change the text colour, select the text you want to change and navigate to the “Home” tab. Here you will find the “Font Colour” button next to the font size and highlight options. Click on this and select either white or black colour swatch. To ensure the slides remain legible, please use one of the following text/background pairings for the correct contrast: Text Text Text Text Text Text Text https://brand.ing.com Changing a photo • Select a new photo from our Brand site https://brand.ing.com and save the file on your computer. • Click on the existing photo and choose “Change Picture” via the right mouse button and choose “From a File…” • In the dialogue box, select the new photo and click “Insert”. • Finally, click on the new photo and choose “Move to Back” via the right mouse button to ensure the title is layered on top of the image. Adjusting photos within image frames Sometimes a newly added photo doesn’t sit nicely in its frame and needs to be adjusted i.e. moving the subject to the centre. • Select the photo you want to adjust. • Go to the Picture Format tab in the top navigation. • Click the “Crop” button and scale or move the image within the crop box. • Make sure that your picture is properly visible and not stretched. • Click outside of the photo frame to save the crop. Updated information on the macroeconomic situation according to the ING Analyses Bureau
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GDP: Unusual economic cycle and weakness of private investment Economic growth is based on services Private sector still cautious in investment plans Planned change in the scale of investment in a year's time, balance of responses Sources: Eurostat, Central Statistical Office, National Bank of Poland. Gross value added, % y/y Investment rebound mainly in the public sector Gross fixed capital formation (nominal), % y/y, p.p. NRP funds will support economic growth in 2026 Absorption of EU funds by beneficiaries, % of GDP 8 8.9 6.1 4.3 3.0 0.7 1.2 1.2 2.0 1.8 2.1 2.0 2.3 2.2 2.9 3.4 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 Q4 23 Q1 24 Q2 24 Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 Industry Construction Services Other Gross value added 13.9 6.7 10.6 18.3 14.3 25.2 16.1 22.3 6.6 7.8 0.6 -2.7 9.8 1.0 9.7 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 Q4 23 Q1 24 Q2 24 Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 Private Public Total 2.6 1.1 1.5 2.2 2.2 2.5 2.0 1.7 1.8 0.8 1.1 1.3 1.7 0.1 0.3 0.6 1.2 0.5 1.2 1.4 0.9 0.9 0.8 0.9 0.8 0.7 0.5 0.5 0.5 0.5 0.4 3.8 2.5 2.3 3.1 3.0 3.4 2.8 2.4 2.5 1.6 2.2 3.0 2.6 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 % GDP Cohesion policy NRP subsidies Agricultural policy TOTAL End of the EU budget period 2007-13 (n+2) The end of the budget 2014-20 (n+3) -30 -20 -10 0 10 20 30 2020 2021 2022 2023 2024 2025 private domestic public abroad
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4.7 8.8 12.9 11.9 11.0 8.0 5.5 15.6 7.7 7.5 17.8 20.5 9.2 3.0 2020 2021 2022 2023 2024 2025 2026 Wages in companies Minimum wage Inflation below target gives room for further NBP rate cuts CPI inflation below NBP target in 2026 Further NBP rate cuts ahead, to 3.25% or lower Real effective exchange rate (REER) and NBP rate Sources: Central Statistical Office, National Bank of Poland, Bank for International Settlements. CPI inflation % y/y Wage pressures in the economy are easing Wages in the enterprise sector and minimum wage, % Imports of cheap goods from China encourage disinflation Prices of industrial durables, % y/y 9 4.9 4.9 4.9 4.3 4.0 4.1 3.1 2.9 2.9 2.8 2.5 2.4 1.9 1.8 2.0 2.0 2.4 2.3 1.9 1.7 1.9 2.2 2.3 2.5 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 Sep-26 Oct-26 Nov-26 Dec-26 Food Energy carriers Fuels Core inflation CPI, % y/y 0 1 2 3 4 5 6 7 8 9 10 85 90 95 100 105 110 115 120 125 130 135 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 REER (LHS) NBP rate, % (RHS) appreciation -5 -3 -1 1 3 5 7 9 11 13 15 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Poland Czech Republic Germany Hungary
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Economic recovery in Germany. Finally. Improvement in weak conditions in industry and construction Growing competition from China also in consumer goods Monthly passenger car exports and imports of the Chinese economy, USD billion Sources: Central Statistical Office, National Bank of Poland, Bank for International Settlements. ifo Institute economic climate index, points Signals of recovery in H2 2025, unfortunately only cyclical Industrial production and industrial orders, % y/y GDP growth in 2026 after three years of stagnation Real GDP and investment growth, % 10 -50 -40 -30 -20 -10 0 10 20 30 40 2007 2009 2011 2013 2015 2017 2019 2021 2023 2025 Manufacturing Services Construction 0 2 4 6 8 10 12 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Export Import -5 -3 -1 1 3 5 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 Investments GDP -40 -20 0 20 40 60 80 2018 2019 2020 2021 2022 2023 2024 2025 Industrial orders Industrial production
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How to sustain growth amid demographic challenges? Low share of larger (more productive) companies Poland a leader in economic growth and weak regulation Sources: Eurostat, Central Statistical Office, National Bank of Poland, Fraser Institute, ING calculations, Share of employment by company size, in %, 2024 Investment financing from own resources still dominates Planned source of funding for new investments, % of responses 11 37.7 15.6 13.9 32.9 30.1 18.4 15.2 36.3 18.9 20.2 16.2 44.7 0 5 10 15 20 25 30 35 40 45 below 10 10-49 50-249 above 250 PL EU DE 0 20 40 60 80 100 2015 2017 2019 2021 2023 2025 Bank loan Own funds Others CZ HU PL EA Agriculture 2005 3.7 5.1 17.3 4.1 2024 2.9 3.4 6.9 2.8 Industry 2005 30.0 24.9 23.6 17.0 2024 26.8 19.7 22.3 14.0 Services 2005 57.4 62.4 53.2 71.3 2024 62.7 68.5 63.6 76.8 of which: business services 2005 13.1 11.9 9.2 17.0 2024 17.0 19.7 15.0 21.4 CZ HU PL DE Fraser Index 2023 Value 7.61 7.07 6.80 7.84 Ranking (out of 176 countries) 29 61 76 15 Area 5: Regulations Value 7.09 6.61 6.54 7.40 Ranking (out of 176 countries) 36 66 74 21 Credit market 9.47 8.53 7.54 8.02 Labour market 5.73 6.32 5.69 5.59 Conduct of business 5.91 5.27 5.56 7.67 Entry costs, competition 7.24 6.31 7.37 8.34 Changes in employment share between 2005 and 2024 Employment reserves in agriculture, still low share of services GDP per capita, 80% of the average EU, Fraser index of economic freedom close to developing countries Country Index 70 Mexico 6.91 71 The Bahamas 6.90 72 Uganda 6.87 73 Bhutan 6.84 74 Kazakhstan 6.84 75 Mongolia 6.83 76 Poland 6.80 77 Cambodia 6.79 78 Barbados 6.76
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2025 was the last year of deleveraging in the Polish economy. In 2026, credit growth is expected to outpace nominal GDP growth. The end of the deleveraging of the Polish economy Falling NBP rates and strong growth support credit growth Annual growth rate of receivables and liabilities of the banking sector, end of period, % Sources: National Bank of Poland (NBP), ING forecasts. Credit volume, end of period in % of GDP Recovery in lending to SMEs, selective for large corporates Loan volumes by type of company and type of loan, end of period in PLN billion High production, but also mortgage amortisation Volume of newly granted and early repayments of housing loans, PLN billion 2024 2025 2026 2027 Total loans 5.0 5.7 8.4 8.0 Households 2.8 4.2 8.1 7.3 mortgage loans 3.4 3.5 6.7 6.5 consumer loans 6.0 8.4 11.4 9.4 Corporate loans 8.0 7.8 8.8 8.8 Enterprises 5.3 9.0 10.7 10.4 Total deposits 8.7 9.6 7.8 7.2 Households 9.9 8.1 7.7 7.0 Corporate deposits 6.6 12.4 8.1 7.5 Enterprises 3.8 14.4 8.6 8.1 Nominal GDP 7.0 6.3 6.0 5.5 41.2 41.0 45.5 50.3 53.8 57.9 86.3 48.7 58.6 83.9 93.7 106.5 105.5 19.6 18.5 20.9 20.0 18.5 24.8 41.5 54.8 49.8 50.0 55.7 57.5 60.6 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 New loans granted 20.8 8.1 5.7 16.5 5.3 20.2 8.2 4.7 14.7 5.2 13.2 5.8 2.2 11.4 5.6 13.3 6.1 2.2 11.9 5.5 13.4 6.4 2.2 12.5 5.5 GD – mortgage GD – consumer GD – other Enterprises Corpo – other 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50 60 70 80 90 100 110 2018 2019 2020 2021 2022 2023 2024 2025 Large – operational Large – investment SME – operational SME – investment
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Changing the text/background color To change the background colour of your slide, just right click on it and choose “Format Background…”. Ensure that “Solid fill” is selected and choose one of our secondary brand colours by clicking the paint bucket icon next to “Colour”. To change the text colour, select the text you want to change and navigate to the “Home” tab. Here you will find the “Font Colour” button next to the font size and highlight options. Click on this and select either white or black colour swatch. To ensure the slides remain legible, please use one of the following text/background pairings for the correct contrast: Text Text Text Text Text Text Text https://brand.ing.com Changing a photo • Select a new photo from our Brand site https://brand.ing.com and save the file on your computer. • Click on the existing photo and choose “Change Picture” via the right mouse button and choose “From a File…” • In the dialogue box, select the new photo and click “Insert”. • Finally, click on the new photo and choose “Move to Back” via the right mouse button to ensure the title is layered on top of the image. Adjusting photos within image frames Sometimes a newly added photo doesn’t sit nicely in its frame and needs to be adjusted i.e. moving the subject to the centre. • Select the photo you want to adjust. • Go to the Picture Format tab in the top navigation. • Click the “Crop” button and scale or move the image within the crop box. • Make sure that your picture is properly visible and not stretched. • Click outside of the photo frame to save the crop. Financial results for Q4 2025
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Financial results 14 PLN million Q4 2024 Q3 2025 Q4 2025 % change q/q % change y/y Net interest income 2,261 2,192 2,295 + 5% +2% Net fee and commission income 565 598 598 + 0% +6% Other income 74 168 164 - 2% +122% Total income 2,900 2,958 3,057 + 3% +5% Total expenses -934 -1,047 -980 - 6% +5% Result before risk costs 1,966 1,911 2,077 + 9% +6% Risk costs including legal risk cost for FX mortgage loans -173 -251 -189 - 25% +9% Bank tax -192 -199 -208 + 5% +8% Profit (loss) before tax 1,601 1,461 1,680 + 15% +5% Income tax -292 -349 -308 - 12% +5% Net Result 1,309 1,112 1,372 + 23% +5% Total Capital Ratio (TCR) 15.67% 14.85% 14.98% +0.11 p.p. -0.69 p.p. Tier 1 capital ratio 14.58% 13.97% 14.18% +0.19 p.p. -0.40 p.p. ROE (%)* 26.7% 25.7% 24.6% -1.1 p.p. -2.1 p.p. ROE adjusted for MCFH (%)* 20.4% 21.0% 20.8% -0.2 p.p. +0.4 p.p. Total expenses incl. bank tax/total income (%) 38.8% 42.1% 38.9% -3.3 p.p. +0.0 p.p. *ROE = total net profit for 4 consecutive quarters / average equity for 5 subsequent quarters. 2024 2025 % change y/y 8,725 8,871 +2% 2,294 2,359 +3% 260 624 +140% 11,279 11,854 +5% -3,958 -4,284 +8% 7,321 7,570 +3% -1,036 -842 -19% -740 -801 +8% 5,545 5,927 +7% -1,176 -1,294 +10% 4,369 4,633 +6% 15.67% 14.98% -0.69 p.p. 14.58% 14.18% -0.40 p.p. 26.7% 24.6% -2.1 p.p. 20.4% 20.8% +0.4 p.p. 41.7% 42.9% +1.2 p.p.
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Net interest income 15 Net interest income (PLN million) and interest margin Interest income and expenses (PLN million) Loan-to-deposit ratio 3,410 3,368 3,453 3,504 3,487 -1,149 -1,157 -1,280 -1,312 -1,192 5.39% 5.17% 5.09% 5.03% 5.02% -1.96% -1.92% -2.03% -2.03% -1.86% -5.00% -3.00% -1.00% 1.00% 3.00% 5.00% 7.00% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Interest income Interest expenses Interest assets profitability Funding costs 0% q/q y/y +2%-9% +4% 75.3% 75.3% 76.3% 75.3% 76.6% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 4.19%5.12%5.80%4.96%5.85% 5.82% 4.73% 6M WIBOR 2,261 2,211 2,173 2,192 2,295 3.52% 3.47% 3.44% 3.33% 3.27% 3.57% 3.40% 3.20% 3.15% 3.30% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 0.010.020.030.040.050.060.070.080.090.0100.0110.0120.0130.0140.0150.0160.0170.0180.0190.0200.0210.0220.0230.0240.0250.0260.0270.0280.0290.0300.0310.0320.0330.0340.0350.0360.0370.0380.0390.0400.0410.0420.0430.0440.0450.0460.0470.0480.0490.0500.0510.0520.0530.0540.0550.0560.0570.0580.0590.0600.0610.0620.0630.0640.0650.0660.0670.0680.0690.0700.0710.0720.0730.0740.0750.0760.0770.0780.0790.0800.0810.0820.0830.0840.0850.0860.0870.0880.0890.0900.0910.0920.0930.0940.0950.0960.0970.0980.0990.01,000.01,010.01,020.01,030.01,040.01,050.01,060.01,070.01,080.01,090.01,100.01,110.01,120.01,130.01,140.01,150.01,160.01,170.01,180.01,190.01,200.01,210.01,220.01,230.01,240.01,250.01,260.01,270.01,280.01,290.01,300.01,310.01,320.01,330.01,340.01,350.01,360.01,370.01,380.01,390.01,400.01,410.01,420.01,430.01,440.01,450.01,460.01,470.01,480.01,490.01,500.01,510.01,520.01,530.01,540.01,550.01,560.01,570.01,580.01,590.01,600.01,610.01,620.01,630.01,640.01,650.01,660.01,670.01,680.01,690.01,700.01,710.01,720.01,730.01,740.01,750.01,760.01,770.01,780.01,790.01,800.01,810.01,820.01,830.01,840.01,850.01,860.01,870.01,880.01,890.01,900.01,910.01,920.01,930.01,940.01,950.01,960.01,970.01,980.01,990.02,000.02,010.02,020.02,030.02,040.02,050.02,060.02,070.02,080.02,090.02,100.02,110.02,120.02,130.02,140.02,150.02,160.02,170.02,180.02,190.02,200.02,210.02,220.02,230.02,240.02,250.02,260.02,270.02,280.02,290.02,300.02,310.02,320.02,330.02,340.02,350.02,360.02,370.02,380.02,390.02,400.02,410.0 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Reported net interest income NIM - cumulative NIM - quaterly +2% +5% 8,725 8,871 3.52% 3.27% 0.0 1,000.0 2,000.0 3,000.0 4,000.0 5,000.0 6,000.0 7,000.0 8,000.0 9,000.0 10,000.0 2024 2025 +2% 92 days91 days90 days365 days366 days 92 days 92 days
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Fee and commission income 16 Fee and commission income per category (PLN million) • y/y increase in the distribution of participation units reflects the positive trends in the fund market investment. • Higher annual bancassurance result is related to the increase by 32% y/y in mortgage loan sales in 2025. -56 -42 -54 -53 -51 127 126 126 128 134 185 173 176 184 181 74 73 81 84 75 134 141 141 140 138 41 44 49 48 53 60 64 65 67 68565 579 584 598 598 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Bancassurance Distribution of participation units, brokerage and custody services Financing (loans, leasing, factoring) Payment and credit cards, net FX transactions Client account maintenance Other commission income and costs, net q/q +10% -1% +1% +5% -2% -11% -4% y/y +29% +3% +13% +6% -2% +1% -9% 0% +6% -193 -200 484 514 717 714 311 313 563 560 168 194 244 264 2,294 2,359 2024 2025 y/y +15% -1% +8% +6% 0% +1% +4% +3%
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Total expenses including bank tax 17 Total expenses including bank tax (PLN million) 541 501 526 535 563 303 387 430 408 303 90 80 74 79 89 234 25 25 25192 196 198 199 208 1,126 1,398 1,253 1,246 1,188 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Personnel costs General and administrative costs Amortisation and depreciation Regulatory costs (PFSA + BGF) Bank levy 2,031 2,125 1,407 1,528 340 322180 309740 801 4,698 5,085 2024 2025 33.5% FTEs 7,6467,8927,9477,947 Total expenses including bank levy / total income 38.9%47.9%38.8%41.7% 7,646 42.9% 7,754 42.1% 7,840 42.9% Own expenses / total income 31.2%33.2%32.2%33.5% 34.6%35.3% y/yq/q +5% 0% +4% +13% -26% +5% -7% -1% 0% +4% +2% y/y +72% +8% +21% -5% +9% +5% +5% +8% -5% +6% +8% - +21%
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Cost of risk, including legal risk costs 18 Consolidated data for ING BSK (PLN million) Corporate banking (PLN million) Retail banking (PLN million) *Provision additions presented with a (+) sign, terminations with a (-) sign. legal risk costs legal risk costs PLN million Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Impact of macroeconomic parameters on net provisions* Retail banking -11 0 -19 +4 +8 Corporate banking +5 +51 -34 +17 -7 Total -6 +52 -53 +21 +1 Impact of the sale of the Stage 3 and POCI receivables portfolios* Retail banking 0 0 -43 0 0 Corporate banking -21 0 -2 0 -19 Total -21 0 -45 0 -19 55 186 235 200 56 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 915 677 2024 2025 0.23% 0.77% 0.96% 0.81% 0.22% Cumulative risk cost margin 0.96% 0.98% 0.94% 0.69% 0.69% Quarterly risk cost margin 65 59 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 23 -42 51 133 92 60 2024 2025 121 0.67% 0.13% -0.23% 0.26% 0.67% Cumulative risk cost margin 0.18% 0.16% 0.02% 0.20% 0.22% Quarterly risk cost margin Adjusted for CHF, cumulative risk cost margin 0.04% 0.03% -0.07% 0.11% 0.14% 0.30% 0.13% -0.23% 0.26% 0.37%Adjusted for CHF, quarterly risk cost margin 165 118 65 1 59 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 209 193 251 189 92 60 2024 2025 1 036 0.42% 0.49% 0.45% 0.57% 0.42% Cumulative risk cost margin 0.64% 0.63% 0.55% 0.48% 0.48% Quarterly risk cost margin Adjusted for CHF, cumulative risk cost margin 0.58% 0.58% 0.51% 0.44% 0.45% 0.26% 0.49% 0.45% 0.57% 0.29%Adjusted for CHF, quarterly risk cost margin 842
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Portfolio quality and provisioning 19 Share of non-performing portfolio in the total loan portfolio Note: NPL = Stage 3 + POCI. *Market data as of the end of November 2025. Consolidated data for ING BSK Corporate segment Retail segment Share of Stage 2 in the gross portfolio Provisioning ratio – Stages 1 and 2 Provisioning ratio – Stage 3 12.7% 12.4% 8.3% 7.8% 7.7% 11.5% 11.0% 3.8% 2.7% 2.8% 13.6% 13.5% 11.8% 11.8% 11.5% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Consolidated data for ING BSK Retail banking Corporate banking 0.17% 0.16% 0.15% 0.15% 0.15% 2.66% 2.74% 3.62% 3.93% 4.02% 0.50% 0.50% 0.45% 0.46% 0.46% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Coverage of assets in Stage 1 Coverage of assets in Stage 2 Coverage of assets in Stage 1 and 2 48.7% 50.3% 51.7% 52.4% 49.2% 62.9% 64.2% 60.3% 61.2% 62.2% 46.2% 47.8% 50.4% 51.1% 46.9% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Consolidated data for ING BSK Retail banking Corporate banking 3.9% 3.9% 3.9% 4.0% 3.8% 4.7% 4.7% 4.5% 4.5% 4.3% -2% 0% 2% 4% 6% 8% 10% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 ING BSK Market 5.7% 5.9% 5.9% 6.2% 5.8% 6.4% 6.4% 6.3% 6.3% 6.1% -2% 0% 2% 4% 6% 8% 10% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 ING BSK (corporate segment) Market 1.3% 1.4% 1.2% 1.2% 1.2% 0.5% 0.5% 0.4% 0.5% 0.4% 3.1% 3.1% 2.8% 2.8% 2.7% -2% 0% 2% 4% 6% 8% 10% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 ING BSK (retail segment - total) ING BSK (retail segment - mortgage loans) Market (total) * * *
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Capital adequacy and liquidity position 20 Consolidated capital ratios Decomposition of total capital ratio (TCR) change on a q/q basis MREL ratio (standalone), taking into account the combined buffer requirement Liquidity ratios 15.67% 16.16% 15.69% 14.87% 14.98%14.58% 15.12% 14.72% 13.99% 14.18% 11.51% 11.51% 11.51% 12.50% 12.50% 9.51% 9.51% 9.51% 10.50% 10.50% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Total capital ratio (TCR) Tier 1 ratio Minimum requirement TCR Minimum requirement Tier 1 24.15% 26.13% 25.60% 24.47% 25.22% 11.12% 10.34% 9.88% 9.69% 10.32% 19.95% 19.95% 19.76% 20.75% 20.75% 5.91% 5.91% 5.91% 5.91% 5.91% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 MREL ratio (TREA) MREL ratio (TEM) Minimum requirement MREL (TREA) Minimum requirement MREL (TEM) 14.87% 14.98% 0.33% -0.07% -0.16% Q3 25 Tier 1 Tier 2 RWA Q4 25 +0.11 p.p. 264% 233% 232% 231% 251% 178% 178% 180% 175% 161% 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 LCR NSFR
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Intention of the Management Board to pay a dividend in 2026 21 8.00% 8.00% 8.00% 2.50% 2.50% 2.50% 1.00% 1.00% 1.00% 0.01% 1.00% 2.00%11.51% 12.50% 13.50% 2024 2025 2026P Minimum (CRR) Capital conservation buffer (CCB) O-SII buffer Countercyclical buffer 6.00% 8.00% 2.50% 2.50%1.00% 1.00% 1.00% 1.00%10.50% 14.18% 12.50% 14.98% Capital requirement Tier I Consolidated Tier I (4Q 25) Capital requirement TCR Consolidated TCR (4Q25) Minimum (CRR) Capital conservation buffer (CCB) O-SII buffer Countercyclical buffer The Management Board's intention is to pay out approximately 75% of the net profit for 2025 in the form of a dividend In the opinion of the Management Board, the bank meets all the requirements of the PFSA to pay a dividend of 75% of the profit for 2025. Minimum regulatory TCR levels in 2024-2026
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Appendices Retail banking Corporate banking Financial results and other information About us
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61,295 69,268 Q4 24 Q4 25 8,552 9,699 Q4 24 Q4 25 125,674 136,051 Q4 24 Q4 25 Retail banking 23 • We granted PLN 4,633 million in mortgage loans in Q4 2025 (+23% y/y) • We granted PLN 1,857 million in cash loans in Q4 2025 (+26% y/y) … • ... of which 94% were sold via online channels Clients and ordered transactions Financing • We operate 4.1 million current accounts for retail clients • In Q4 2025, our retail clients performed: • 4% y/y more outgoing electronic transfers in Moje ING (174 million) • 13% y/y more BLIK transactions (total 64 million) • 3% y/y more debit card transactions (total 296 million) • 3% y/y fewer transactions in branches (193 thousand) Growing volumes y/y Mortgage loans (PLN million) Cash loans (PLN million) Deposits (PLN million) +8% +13% +13%
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Retail client base 4.7 million retail clients 24 • 88% of current accounts are Direct Accounts • In Q4 2025 clients using the National Hub, the standard for the circulation of electronic identity used for administrative purposes and government services, confirmed their identity 4.3 million times, of which 16% of confirmations were made through a mobile application • Our clients submitted 19,000 300+ and 7,000 800+ applications through us in Q4 2025. Number of retail clients (thousand) Number of retail current accounts (thousand) Note: current accounts in PLN. Primary clients – clients who have a current account with a balance higher than PLN 100 (salary inflows) and who also have another active product. 4,566 4,615 4,654 4,676 4,700 2,284 2,292 2,322 2,348 2,374 74 89 78 80 62 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Number of individual clients - total Number of individual clients - primary Number of new individual clients, gross q/q y/y +24k +133k +26k +89k 3,896 3,957 4,004 4,037 4,070 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 q/q y/y +33k +174k
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Retail lending Loan portfolio of retail clients (gross; PLN million) • PLN 1.9 billion worth of cash loans granted to retail clients in Q4 2025 (+26% y/y) • PLN 4.6 billion worth of mortgage loans granted in Q4 2025 (+23% y/y), which translates into a 16.3% market share in Q4’25 (in 2025 market share was 19.2%): • including 2,794 million worth of fixed interest rate mortgage loans (-18% y/y) • including PLN 575 million worth of loans for energy- efficient houses** (+86% y/y) • A 14.2% market share in terms of PLN mortgage loans; 13.2% in total mortgage loans (Q4 2025) Mortgage loans production (PLN billion) Cash loans production (PLN million) 25 *FX mortgage loans after adjusting the gross carrying amount for legal risk provisions, which amounted to PLN 388 million in Q4 2024, PLN 344 million in Q1 2025, PLN 319 million in Q2 2025, PLN 296 milion in Q3 2025, PLN 296 milion in Q4 2025; **We do not charge a commission and offer a lower margin for a house or residential premises whose annual demand for non-renewable primary energy for heating, ventilation and hot water preparation does not exceed respectively: 62 kWh/m2/year in the case of a house or 76 kWh/m2/year in the case of a house after renovation and 58 kWh/m2/year in the case of residential premises in a multi-family building or 62 kWh/m2/year in the case of a residential premises in a single- family building. 38,903 39,174 39,982 40,309 40,931 22,287 23,839 25,413 27,146 28,276105 104 113 108 618,552 8,706 8,913 9,343 9,6991,420 1,409 1,433 1,466 1,45771,267 73,232 75,854 78,372 80,424 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 PLN mortgage loans - floating % rate PLN mortgage loans - fixed % rate FX mortgage loans* Cash loans Other loans +13% +3% q/q y/y +2% +5% +4% +13% -44% -42% -1% +3% +4% +27% 90% 69% 62% 68% 60% 10% 31% 38% 32% 40% 3,761 4,676 4,917 5,005 4,633 0 1,000 2,000 3,000 4,000 5,000 6,000 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Fixed rate Floating rate -7% +23% 1,469 1,437 1,697 1,863 1,857 0 200 400 600 800 1,000 1,200 1,400 1,600 1,800 2,000 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 0% +26%
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Savings and investments Portfolio of funds entrusted by retail clients (PLN million) • 182 thousand bank clients invest on a regular basis (+14% y/y, +4% q/q) and 232 thousand clients had a dedicated pension product at ING (+32% y/y, +10% q/q) • In Q4 2025 about 65% of open investment fund units were purchased via mobile banking • At the end of Q4 2025, we serviced 202 thousand brokerage accounts (+5% y/y, +1% q/q) • The turnover of our brokerage office on the stock market in Q4 2025 amounted to PLN 3.3 billion (+41% y/y, +2% q/q), which translates into a market share of 1.45% (without change y/y and q/q) • The assets representing investments in funds compliant with Articles 8 and 9 of SFRD* amounted to PLN 8.7 billion (+37% y/y, +9% q/q) *Funds promoting sustainable development (Article 8) and having an impact (Article 9). 26 31,850 32,938 33,868 35,118 34,998 76,338 80,564 80,225 79,758 81,942 17,486 18,294 19,184 19,579 19,111 17,663 19,114 20,558 22,574 24,5367,859 9,011 9,687 9,585 9,328151,196 159,921 163,521 166,614 169,915 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Financial instruments accumulated in brokerage accounts Mutual funds Term deposits and structured products Savings accounts Current accounts +2% +12% +9% q/q y/y +39% 0% +10% -2% +9% +3% +7% -3% +19% 5% 33% 1% 8%
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Progressive evolution of banking ING is becoming more and more digital 3.3 million mobile banking users Electronic banking • We have a total of 1,730 thousand mobile cards (+1% q/q, +12% y/y) • 64.4 million BLIK transactions in Q4 2025 (+7% q/q, +13% y/y) completed by retail clients, of which 48.5 million transactions online (+12% q/q, +14% y/y) • 4,559 thousand clients with access to online banking (+1% q/q, +4% y/y), 76% of whom are actively using this access • 3,140 thousand active users of the mobile app (+1% q/q, +7% y/y) • 2,497 thousand “mobile only” users (+2% q/q, +8% y/y) • In Q4 2025, we sold 94% of cash loans to retail clients via online channels 175 167 161 157 150 56 56 56 60 6455 55 55 55 55 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Meeting places ING Express Cash service points 8% 8% 7% 7% 6% 25% 28% 25% 24% 23% 67% 64% 68% 69% 71% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 PC only PC and mobile banking Mobile banking only Physical distribution network Average rating of Moje ING mobile app in the app stores How our clients use internet banking based on the number of users • 150 meeting places (-25 vs end of 2024) • 848 recyclers (devices with a pay-in function), all with a contactless reader Google Play – 4.7 App Store – 4.9 27
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45 312 383 635 639 640 590 556 522 507 5% 34% 46% 88% 109% 131% 133% 130% 130% 143% Q4 19 Q4 20 Q4 21 Q4 22 Q4 23 Q4 24 Q125 Q2 25 Q3 25 Q4 25 Value of provisions for active and repaid portfolio Coverage ratio of active CHF mortgage portfolio by total provisions* Legal risk relating to FX mortgage loans Total value of provisions for CHF mortgage loan portfolio (PLN million) and their level in relation to portfolio balance The costs of legal risk of FX mortgage loans (in PLN million) The number and value of disputes concerning FX mortgage loans *The portfolio provisioning ratio is calculated as: Total provisions (active and repaid portfolio) / (gross portfolio + provisions for active portfolio). 31 270 56 294 106 92 0 1 0 59 2019 2020 2021 2022 2023 2024 Q1 25 Q2 25 Q3 25 Q4 25 51 130 198 252 291 284 253 283 222 241156 450 755 1,041 1,389 1,673 1,659 1,653 1,605 1,485 Q4 19 Q4 20 Q4 21 Q4 22 Q4 23 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Value in dispute (PLN million) Number of disputes 28
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Appendices Retail banking Corporate banking Financial results and other information About us
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96,148 100,735 Q4 24 Q4 25 92,474 97,305 Q4 24 Q4 25 Corporate banking • We serve 594 thousand corporate clients, of which: • 551 thousand are entrepreneurs • 39 thousand are SMEs and mid-corporates • 3.7 thousand are strategic clients • In Q4 2025, our corporate clients using ING Business made 48 million transfers (-1% y/y), of which 5.1 million were made in mobile banking (+14% y/y) • We have 48.3 thousand payment terminals in total; we processed 15.4 million transactions in Q4 2025 (+1% y/y) • 12,2 stores with an active imoje payment gateway (+20% y/y) • The portfolio of receivables from entrepreneurs increased by PLN 330 million y/y (+3% y/y) to PLN 10.9 billion • The portfolio of receivables from SMEs and mid- corporates increased by PLN 2.3 billion y/y (+5% y/y) to PLN 50.5 billion • The portfolio of receivables from strategic clients increased by PLN 1.9 billion y/y (+5% y/y) to PLN 39.3 billion Clients and ordered transactions Financing Growing volumes y/y +5% +5%
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Corporate client base 594 thousand companies 31 We maintain 488 thousand current accounts for 551 thousand entrepreneurs, of which 99% are Direct accounts Number of entrepreneurs (thousand)** Number of SME, mid-corporates and strategic clients (thousand)** *Primary clients – clients with a specified number of transactions and an average deposit or credit balance above a specified limit during the last year; the conditions are defined separately for each of the components of the corporate segment (entrepreneurs, medium-sized and large companies and strategic clients). **From the beginning of 2025, the qualification criteria for corporate clients (including primary clients) have changed. Data for 2024 has also been recalculated using the new methodology. 531 535 544 548 551 271 275 277 280 283 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Number of entrepreneurs - total Number of entrepreneurs - primary* +3.4k q/q y/y +20.1k +3k +11k 37.9 36.3 37.4 38.4 39.3 3.59 3.62 3.61 3.68 3.73 41.5 40.0 41.0 42.1 43.0 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Number of SME and mid-corporates Number of strategic clients q/q y/y +0.05k +0.14k +0.9k +1.4k
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Corporate receivables Loans volume (gross; PLN million)** Leasing receivables volume* (gross; PLN million)** *Does not include lease loans. **Data adjusted to the changed criteria for qualifying corporate clients. Factoring receivables volume (gross; PLN million)** 32 8,369 8,495 8,499 8,624 8,620 35,481 36,337 37,211 38,239 37,658 31,994 32,120 32,152 31,169 33,816 75,844 76,952 77,862 78,032 80,094 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Entrepreneurs SME and mid-corporates Strategic clients (capital groups) +6% +3% q/q y/y 2,185 2,195 2,227 2,250 2,259 9,267 9,125 9,391 9,518 9,459 1,992 2,031 2,045 2,100 2,085 13,444 13,351 13,663 13,868 13,803 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Entrepreneurs SME and mid-corporates Strategic clients (capital groups) +3% 0% q/q y/y 24 27 30 30 29 3,410 3,482 3,590 3,605 3,388 3,426 3,387 3,319 3,197 3,421 6,860 6,896 6,939 6,832 6,838 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Entrepreneurs SME and mid-corporates Strategic clients (capital groups) 0% +0% +7% q/q y/y 0% -6% -1% -3% +21 % -1% +5% -1% +2% +0% +3% +8% +6% -2% +6% 0% +3%
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Cash management Corporate deposit volume (PLN million)* Corporate current account volumes (PLN million)* The number of mobile transfers in ING Business increased by +14% y/y to 5.1 million new corporate clients acquired in Q4 2025 15.4 thousand *Data adjusted to the changed criteria for qualifying corporate clients. * * 23,987 22,320 23,381 24,561 27,309 49,187 45,780 45,491 47,218 49,236 19,300 21,284 21,501 23,980 20,760 92,474 89,384 90,373 95,759 97,305 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Entrepreneurs SME and mid-corporates Strategic clients (capital groups) +5% +2% -13% q/q y/y +8% +4% +0% +11% +14% 17,592 16,038 16,929 17,807 20,290 27,986 25,353 25,498 25,426 29,297 15,370 16,269 16,946 17,048 16,548 60,948 57,660 59,373 60,281 66,135 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Entrepreneurs SME and mid-corporates Strategic clients (capital groups) +9% +10% -3% q/q y/y +8% +15% +5% +14% +15%
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Appendices Retail banking Corporate banking Financial results and other information About us
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Income statement Consolidated income statement (PLN million) Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 q/q y/y million % million % Net interest income, of which: 2,162 2,042 2,260 2,261 2,211 2,173 2,192 2,295 103 4.7% 34 1.5% Interest income 3,232 3,114 3,356 3,410 3,368 3,453 3,504 3,487 -17 -0.5% 77 2.3% Interest expenses -1,070 -1,072 -1,096 -1,149 -1,157 -1,280 -1,312 -1,192 120 -9.1% -43 3.7% Net fee and commission income 576 571 582 565 579 584 598 598 0 0.0% 33 5.8% Result on trade operations and revaluation 12 81 67 39 114 145 158 144 -14 -8.9% 105 269.2% Net income on instruments measured at fair value through profit or loss and FX result 19 67 52 60 108 171 116 126 10 8.6% 66 110.0% The result on the sale of securities measured at amortised cost -6 1 -2 1 1 -4 -1 0 1 -100.0% -1 -100.0% Net income on the sale of securities measured at fair value through other comprehensive income and dividend income 2 11 2 -18 0 12 4 43 39 975.0% 61 - Net income on hedge accounting -3 2 15 -4 5 -34 39 -25 -64 - -21 525.0% Net income on other core activities 3 0 0 25 6 7 -2 3 5 - -22 -88.0% Share in net profit (loss) of associated entities recognised under the equity method 7 8 8 10 9 11 12 17 5 41.7% 7 70.0% Income 2,760 2,702 2,917 2,900 2,919 2,920 2,958 3,057 99 3.3% 157 5.4% Expenses -1,089 -978 -957 -934 -1,202 -1,055 -1,047 -980 67 -6.4% -46 4.9% Personnel expenses -469 -503 -518 -541 -501 -526 -535 -563 -28 5.2% -22 4.1% Depreciation and amortisation -81 -79 -90 -90 -80 -74 -79 -89 -10 12.7% 1 -1.1% Regulatory expenses -179 0 -1 0 -234 -25 -25 -25 0 0.0% -25 - Other expenses -360 -396 -348 -303 -387 -430 -408 -303 105 -25.7% 0 0.0% Result before risk costs 1,671 1,724 1,960 1,966 1,717 1,865 1,911 2,077 166 8.7% 111 5.6% Risk costs including legal cost of risk for FX mortgage loans -197 -318 -348 -173 -209 -193 -251 -189 62 -24.7% -16 9.2% Retail -34 -53 84 -118 -23 42 -51 -133 -82 160.8% -15 12.7% Corporate -163 -265 -432 -55 -186 -235 -200 -56 144 -72.0% -1 1.8% Tax on certain financial institutions -187 -179 -182 -192 -196 -198 -199 -208 -9 4.5% -16 8.3% Profit (loss) before tax 1,287 1,227 1,430 1,601 1,312 1,474 1,461 1,680 219 15.0% 79 4.9% Income tax -294 -262 -328 -292 -298 -339 -349 -308 41 -11.7% -16 5.5% Net profit (loss), of which: 993 965 1,102 1,309 1,014 1,135 1,112 1,372 260 23.4% 63 4.8% Net profit (loss) attributable to the shareholders of ING BSK 993 965 1,102 1,309 1,014 1,135 1,112 1,372 260 23.4% 63 4.8% Number of shares issued (million) 130.1 130.1 130.1 130.1 130.1 130.1 130.1 130.1 0.0 0.0% 0.0 0.0% Earnings per share (PLN) – annualised 30.53 29.67 33.88 40.25 31.18 34.90 34.19 42.18 7.99 23.4% 1.94 4.8% 35
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Consolidated statement of financial position Consolidated statement of financial position (PLN million) Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 q/q y/y million % million % Assets Cash in hand and balances with the Central Bank 7,041 4,508 3,338 8,965 8,361 9,240 8,828 8,457 7,310 -1,147 -13.6% -1,051 -12.6% Loans and receivables to other banks 19,620 20,231 19,646 18,150 21,635 18,237 23,105 23,203 23,954 751 3.2% 2,319 10.7% Financial assets measured at fair value through profit or loss 2,235 1,983 1,290 1,378 1,927 1,728 1,664 1,446 2,333 887 61.3% 406 21.1% Derivative hedge instruments 208 327 103 92 61 159 47 126 73 -53 -42.1% 12 19.7% Investment securities 56,614 64,439 58,931 54,231 58,992 60,706 56,162 60,635 65,556 4,921 8.1% 6,564 11.1% Assets securing liabilities 165 0 1,996 4,495 179 4,805 16,431 7,940 0 -7,940 -100.0% -179 -100.0% Loans and other receivables to clients 156,560 158,453 161,411 164,641 166,698 171,863 173,332 178,586 180,316 1,730 1.0% 13,618 8.2% Non-financial assets 1,495 1,483 1,509 1,466 1,468 1,45,7 1,453 1,479 1,489 10 0.7% 21 1.4% Income tax assets 1,098 898 686 648 704 607 619 664 633 -31 -4.7% -71 -10.1% Other assets 325 399 368 354 334 365 339 460 361 -99 -21.5% 27 8.1% Total assets 245,361 252,721 249,278 254,420 260,359 269,167 281,980 282,996 282,025 -971 -0.3% 21,666 8.3% Equity and liabilities Liabilities Liabilities to banks 13,655 13,590 13,877 13,354 15,468 14,595 14,671 14,746 15,042 296 2.0% -426 -2.8% Financial liabilities at fair value through profit or loss 1,822 1,314 974 1,248 1,400 961 839 926 916 -10 -1.1% -484 -34.6% Derivative hedge instruments 280 411 149 137 83 172 57 129 77 -52 -40.3% -6 -7.2% Liabilities to clients 205,290 214,126 213,541 216,293 219,996 227,994 241,938 239,986 235,328 -4,658 -1.9% 15,332 7.0% Liabilities under debt securities issued 404 411 405 914 509 501 509 1,501 1,521 20 1.3% 1,012 198.8% Subordinated liabilities 1,526 1,510 1,514 1,501 1,499 1,467 1,487 1,497 2,548 1,051 70.2% 1,049 70.0% Provisions 542 523 645 640 636 613 589 607 643 36 5.9% 7 1.1% Income tax liability 115 17 70 156 17 149 455 697 924 227 32.6% 907 54x Other liabilities 4,991 3,379 3,930 3,947 3,581 3,906 3,819 3,753 3,684 -69 -1.8% 103 2.9% Total liabilities 228,625 235,281 235,105 238,190 243,189 250,358 264,364 263,842 260,683 -3,159 -1.2% 17,494 7.2% Equity Share capital 130 130 130 130 130 130 130 130 130 0 0.0% 0 0.0% Supplementary capital – share premium account 956 956 956 956 956 956 956 956 956 0 0.0% 0 0.0% Revaluation reserve -5,095 -5,379 -5,274 -4,325 -4,699 -4,076 -3,131 -2,704 -1,884 820 -30.3% 2,815 -59.9% Retained earnings 20,750 21,744 18,372 19,469 20,783 21,805 19,667 20,772 22,149 1,377 6.6% 1,366 6.6% Own shares for the purposes of the incentive programme -5 -11 -11 0 0 -6 -6 0 -9 -9 - -9 - Equity attributable to shareholders of ING BSK 16,736 17,440 14,173 16,230 17,170 18,809 17,616 19,154 21,342 2,188 11.4% 4,172 24.3% Non-controlling interests 0 0 0 0 0 0 0 0 0 - - - - Total equity 16,736 17,440 14,173 16,230 17,170 18,809 17,616 19,154 21,342 2,188 11.4% 4,172 24.3% Total equity and liabilities 245,361 252,721 249,278 254,420 260,359 269,167 281,980 282,996 282,025 -971 -0.3% 21,666 8.3% Number of shares issued (million) 130.1 130.1 130.1 130.1 130.1 130.1 130.1 130.1 130.1 0.0 0.0% 0.0 0.0% Book value per share (PLN) 128.64 134.05 108.94 124.75 131.98 144.57 135.40 147.23 164.04 16.82 11.4% 32.07 24.3% 36
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Income per category Income per P&L line (PLN million) Income per business line (PLN million) 37 2,261 2,211 2,173 2,192 2,295 565 579 584 598 598 74 129 163 168 164 2,900 2,919 2,920 2,958 3,057 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Net interest income Net fees and commissions Other income q/q +5% 0% -2% y/y +2% +6% +122% +5% +3% 1,300 1,280 1,298 1,348 1,400 1,600 1,639 1,622 1,610 1,657 2,900 2,919 2,920 2,958 3,057 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Retail banking Corporate banking +5% +3% +3% q/q y/y +4% +4% +8% +4% +2%
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Bank assets and liabilities Structure of assets (PLN billion) Structure of equity and liabilities (PLN billion) Loans and other receivables from clients (net; PLN billion) Deposits and other liabilities to clients (PLN billion) 38 30.0 27.5 31.9 31.7 31.3 60.4 66.2 73.4 69.0 67.1 166.7 171.9 173.3 178.6 180.3 3.3 3.6 3.3 3.8 3.4260.4 269.2 282.0 283.0 282.0 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Other Loans, corporate bonds and other receivables from customers Securities Loans and other receivables from banks + cash with NBP -1% +4% -3% +11% q/q y/y +1% +8% -10% +3% +8% 0% 70.4 72.3 75.1 77.5 79.5 93.1 93.9 95.0 95.1 97.5 3.2 5.6 3.2 6.0 3.3 166.7 171.9 173.3 178.6 180.3 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Retail banking Corporate banking Other receivables +8% +1% +3% q/q y/y +5% +3% +13% -44% +2% 17.2 18.8 17.6 19.2 21.31.5 1.5 1.5 1.5 2.5 220.0 228.0 241.9 240.0 235.3 15.5 14.6 14.7 14.7 15.06.2 6.3 6.3 7.6 7.8260.4 269.2 282.0 283.0 282.0 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Equity Subordinated debt Deposits and other liabilities to clients Liabilities to banks Other +8% 0% +70% +70% +11% +24% -2% +7% q/q y/y +2% -3% +2% +25% 125.7 131.8 133.3 134.5 136.1 92.5 89.4 90.4 95.8 97.3 1.8 6.8 18.3 9.8 2.0 220.0 228.0 241.9 240.0 235.3 0.0 50.0 100.0 150.0 200.0 250.0 300.0 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Retail banking Corporate banking Other liabilities +7% -2% +2% +5% +1% +8% -80% +7% q/q y/y
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Capital requirement structure Consolidated capital requirement structure – Tier 1 Consolidated capital requirement structure – TCR *It may reach the level of 3%-5% after the decisions of i) the European Commission, ii) the European Commission and the European Systemic Risk Board and iii) the European Banking Authority; the 5% level may be exceeded subject to the consent of the European Commission; **In justified cases, it may exceed 2.5%. 39 On 14 October 2025 the Bank concluded a subordinated loan agreement with ING Bank N.V. with the registered office in Amsterdam . The loan amount is EUR 250 million. The loan was granted for 10 years. The transaction date was 15 October 2025.The Bank will apply to the PFSA for approval of loan amount recognition under Tier II capital. On 12 January 2026 the PFSA’s approved the inclusion of the loan amount in Tier II capital. 12.501% 10.501% 8.00% 8.00% 8.00% 8.00% 8.00% 2.50% 2.50% 2.50% 2.50% 2.50% 1.00% 1.00% 1.00% 1.00% 1.00% 0.01% 0.01% 0.01% 1.00% 1.00% 0.00% 0.00% 0.00% 0.00% 0.00% 4.16% 4.65% 4.18% 2.37% 2.48% 15.67% 16.16% 15.69% 14.87% 14.98% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 6.00% 6.00% 6.00% 6.00% 6.00% 2.50% 2.50% 2.50% 2.50% 2.50% 1.00% 1.00% 1.00% 1.00% 1.00% 0.01% 0.01% 0.01% 1.00% 1.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.07% 5.61% 5.21% 3.49% 3.68% 14.58% 15.12% 14.72% 13.99% 14.18% Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Minimum (CRR) Capital conservation buffer (CCB) Bufor O-SII (0-2%; OSII) Countercyclical buffer (0-2.5%**; ACB) P2G add-on (0-4.5%) Surplus
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Lending exposure by industry Note: gross credit exposure at amortised cost covering loans, corporate bonds and leasing and factoring receivables. No: Industry Exposure % 1 Wholesale trade 10,706 10.6% 2 Real estate service 9,569 9.5% 3 Financial intermediation 7,101 7.0% 4 Other activity related to business running 5,965 5.9% 5 Land transport and transport via pipelines 5,234 5.2% 6 Renting of equipment 4,381 4.3% 7 Retail trade 4,282 4.3% 8 Foodstuff and beverage production 3,919 3.9% 9 Constructions 3,800 3.8% 10 Manufacture of fabricated metal products 3,744 3.7% 11 Chemicals and chemical goods production 3,628 3.6% 12 Public administration and national defense 3,492 3.5% 13 Power industry 2,856 2.8% 14 Rubber industry 2,717 2.7% 15 Post office and telecommunications 2,672 2.7% 16 Sale, repair and maintenance of motor vehicles 2,560 2.5% 17 Auxiliary service connected with financial intermediation 2,181 2.2% 18 Wood and paper industry 2,154 2.1% 19 Agriculture, forestry, fishery 1,809 1.8% 20 Other 17,956 17.8% Total 100,728 100.0% Non-banking portfolio of corporate banking clients – balance sheet exposure (PLN million) Consolidated approach 31.12.2025 40
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Lending exposure by industry Note: gross credit exposure at amortised cost covering loans, corporate bonds and leasing and factoring receivables plus off-balance sheet exposures. No: Industry Exposure % 1 Wholesale trade 17,981 11.6% 2 Constructions 10,873 7.0% 3 Real estate service 10,463 6.7% 4 Financial intermediation 9,477 6.1% 5 Other activity related to business running 8,869 5.7% 6 Retail trade 8,537 5.5% 7 Foodstuff and beverage production 6,515 4.2% 8 Land transport and transport via pipelines 6,448 4.2% 9 Manufacture of fabricated metal products 6,211 4.0% 10 Renting of equipment 5,333 3.4% 11 Power industry 4,800 3.1% 12 Public administration and national defense 4,607 3.0% 13 Rubber industry 4,479 2.9% 14 Chemicals and chemical goods production 4,452 2.9% 15 Sale, repair and maintenance of motor vehicles 3,929 2.5% 16 Post office and telecommunications 3,425 2.2% 17 Wood and paper industry 3,266 2.1% 18 Information technology and related activities 2,828 1.8% 19 Machinery industry 2,418 1.6% 20 Other 30,407 19.6% Total 155,320 100.0% Non-banking portfolio of corporate banking clients – balance sheet and off-balance sheet exposure (PLN million) Consolidated approach 31.12.2025 41
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Appendices Retail banking Corporate banking Financial results and other information About us
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ING Bank Śląski – who we are 3rd largest bank in Poland Credit ratings of ING Bank Śląski Structure of ING Bank Śląski Group Key facts • We are a universal bank established in 1989 • We provide comprehensive financial services to retail and corporate clients in all segments • We serve clients through remote channels (including internet and mobile banking) and a network of branches fully equipped with self-service zones • We have 4.7 million retail clients and 594 thousand corporate clients • We employ 7.7 thousand people • We are number three in Poland in terms of deposits’ and net loans’ volumes as at the end of Q3 2025 • Entity rating / outlook: A+ / Negative • Short-term rating: F1+ • Viability rating: bbb+ • Shareholder Support Rating: a+ • Long-term rating on the national scale / outlook: AAA (pol) / Stable • Short-term rating on a national scale: F1+ (pol) ING Bank Hipoteczny S.A. 100% ING Usługi dla Biznesu S.A. 100% ING Investment Holding (Polska) S.A. 100% Nowe Usługi S.A. 100% SAIO S.A. 100% Dom Data IDS Sp. z o.o. 40% ING Lease Polska Sp. z o.o. 100% ING Commercial Finance S.A. 100% Paymento Financial S.A. 100% Goldman Sachs TFI S.A. 45% ING Bank Śląski S.A. • Long/short term deposit rating: A2/ P-1; outlook: Stable • Individual BCA Assessment: baa2 • Adjusted BCA Score: baa1 • Counterparty risk assessment long / short term: A1 ( cr) / P-1 (cr) Moody’s Fitch 43
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C/WK 2.1x ING Bank Śląski S.A. shares ING BSK shares vs. WSE indices recalculated for comparability Shareholding structure other <5% 13.39% ING Bank NV 75.00% Allianz Polska OFE* 6.07% Nationale Nederlanden PTE** 5.55% *Based on the semi-annual asset structure of Allianz Polska OFE as at 31 December 2025. **Based on the semi-annual asset structure of Nationale Nederlanden OFE as at 31 December 2025. Market indicators (Q4 2025) The share capital of ING Bank Śląski S.A. is divided into 130,100,000 shares with a nominal value of PLN 1 each. The Bank’s shares are ordinary bearer shares. P/T 9.6x ING BSK share price PLN 341.5 as at 30 December 2025 Capitalisation PLN 44.4 billion EUR 10.5 billion Free float PLN 11.1 billion EUR 2.6 billion ISIN: PLBSK0000017 Bloomberg: ING PW Reuters: INGP.WA 44 0 50 100 150 200 250 300 350 400 450 200 220 240 260 280 300 320 340 360 380 Dec 24 Jan 25 Feb 25 Mar 25 Apr 25 May 25 Jun 25 Jul 25 Aug 25 Sep 25 Oct 25 Nov 25 Dec 25 Volume (thousand) Share price (PLN) Volume ING BSK WIG mWIG40 WIG-Banks +41%
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Selected initiatives ING Lease joins forces with Energa Obrót ING has launched a Luxembourg fund offer for Private Banking clients ING has launched a pilot of its GenAI-based AI Assistant in ING Business ING Lease has launched a partnership with Energa Obrót, one of the largest electricity retailers in Poland. The partnership aims to facilitate access to flexible financing for photovoltaic installations, energy storage systems, and heat pumps. Thanks to the partnership with ING Lease, Energa Obrót customers gain access to the ING Lease Now program, which allows for investment financing for up to six years, with a down payment as low as 10% of the initial value. Energia Obrót customers can freely customize the terms of their contract to suit their needs, and the entire process is completed online via the Lease Now platform, where they can submit a step-by-step application and conclude a leasing agreement. As part of a pilot project, ING has made an AI Assistant based on GenAI technology available to selected ING Business users. This is the first solution of its kind at ING. Implementation for all ING Business users is planned for Q1 2026. The AI Assistant will answer the simplest and most frequently asked questions about banking in ING Business, helping customers quickly obtain information without the need to contact a consultant. After logging into the ING Business system and launching a chat, the customer will connect with an AI-powered chatbot that will recognize the user's question intent and prepare a response. If necessary, the customer will be able to request a connection with a specialist. ING Bank Śląski is expanding its offering to include Luxembourg funds from the ING Group. Thanks to a strategic partnership with ING Solutions Investment Management (ISIM), the Luxembourg-based ING Group subsidiary, the bank has opened up new investment opportunities for its Private Banking clients in Poland. This expansion of the offering responds to the growing demand from Polish clients for products that provide broad access to strategies investing in international markets around the world. Investors seeking solutions with a diversified risk profile can choose from four strategies that invest both in funds and directly in equities and debt instruments: ING Impact Fund Moderate, ING Impact Fund Balanced, ING Impact Fund Active, and ING Impact Fund Dynamic. The offering also includes subfunds investing in index funds and ETFs, providing broad exposure to global markets: ING Global Index Portfolio Conservative, ING Global Index Portfolio Balanced, ING Global Index Portfolio Active, and ING Global Index Portfolio Dynamic. More information More information More information More information 45 ING Lease shortens the path to leasing More information More information ING Lease (Poland) has launched a partnership with Notus Finanse, a financial intermediary. Entrepreneurs have gained new access to leasing tailored to their company's individual needs. The offer includes financing for vehicles, machinery, and equipment essential for daily operations. The partnership was designed for entrepreneurs who expect not only competitive financing terms but also efficient and transparent service. Notus Finanse advisors will be able to offer their clients leasing solutions tailored to their business and investment needs, and present detailed offers in a dedicated ING Lease app. The entire process, from submitting an application to signing the agreement, can be completed online, without the need to visit a branch. More information More information
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Our dividend policy 0.0 5.0 10.0 15.0 20.0 25.0 30.0 35.0 40.0 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023* 2024 Dividend yield (%) DPS (PLN) Data prior to the November 2011 stock split (1:10) adjusted accordingly; dividend yield as at the dividend date. *Including: Including: PLN 3,330.5 million from the profit earned by the Bank in 2023, which constitutes 75% of the standalone and consolidated profit of ING Bank Śląski S.A. for 2023, and PLN 1,008.3 million from the reserve capital intended for dividend payment. The amount of PLN 1,008.3 million consists of: PLN 494.4 million of profit for 2019 and PLN 513.9 million of profit for 2022. History of ING BSK dividends 46 The key assumptions of the ING Bank Śląski S.A. Dividend Policy: ING Bank Śląski S.A. endorses in the foreseeable future a stable process of dividend payout up to 75% of a yearly net profit of the Bank, in adherence to the rules of prudent management taking into account the development plans of the Bank and the Bank Group and the related capital needs and any and all regulatory requirements which the Bank shall comply with and taking into account the adopted Best Practice for GPW Listed Companies. A proposal to pay a dividend in the amount higher than the dividend ratio referred to in point 1 is possible when it is justified by the financial standing of the Bank (e.g. from undivided profit from previous years or reserve capital allocated for dividend payments) and provided that all other requirements set out in the law, guidelines of the PFSA and the Policy are met. The Dividend Policy endorses the option to pay dividend from the capital surplus over the minimum capital adequacy ratios and over the minimum capital ratios set for the Bank by the PFSA for dividend payout purposes, in particular: minimum common equity Tier 1 (CET1) at the level of 4.5% + 56.25% * P2R + combined buffer requirement[1] + P2G, minimum Tier 1 (T1) at the level of 6% + 75% * P2R + combined buffer requirement[1] + P2G, minimum total capital ratio (TCR) at the level of 8% + P2R + combined buffer requirement[1] + P2G, where the footnote [1] means the combined buffer requirement binding in a year of dividend payment or the combined buffer requirement binding on a date indicated by the PFSA. When deciding on the proposed amount of dividend payout, the Bank Management Board considers Polish Financial Supervision Authority’s stance on the banks’ dividend policy, which is subject to official announcement, as well as the following terms and conditions: the current financial standing of the Bank and the Bank Group, including limitations in the case of sustaining a financial loss or low profitability (low ROA/ROE), Bank's and Bank Group’s assumptions of the management strategy and risk management strategy, limitations under Article 56 of the Act on macroprudential supervision over the financial system and crisis management in the financial system of 5 August 2015, the need to adjust profit of the present period or unapproved annual profit recognised as own funds with foreseeable dividends, according to Article 26 of the EU Regulation No. 575/2013, macroeconomic environment.
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Glossary – simplified definitions of terms used in the presentation 47 LCR Liquidity Coverage Ratio Computed as a ratio of high-liquid assets to short-term liabilities. It is introduced in stages. The minimum value is 100% starting from 2018. Retail clients – individuals. Corporate clients – entrepreneurs, SMEs, mid-corporates and strategic clients (holdings). • Entrepreneurs – with an annual turnover not exceeding PLN 10 million. • SMEs – corporates with an annual turnover between PLN 10 million and PLN 80 million. • Mid-corporates – corporates with an annual turnover between PLN 80 million and PLN 1 billion. • Strategic clients – holdings with an annual turnover over PLN 1 billion. NIM – Net Interest Margin – the ratio of net interest income to the average value of interest earning assets (incl. loans, bonds) as at the end of the quarters in a given period (five quarters for cumulative margin and two quarters for quarterly margin). MREL Minimum Requirement for own funds and Eligible Liabilities (MREL) – minimum level of own funds and liabilities subject to write down or conversion. The institution transposed into Polish law under the Act on the Bank Guarantee Fund, Deposit Guarantee Scheme and Resolution of 10 June 2016. NSFR Net Stable Funding Ratio. It is computed as the ratio of available stable funding to required stable funding. The minimum value (effective from the end of June 2021) is 100%. C/I ratio – ratio of the indicated cost category to the bank’s income (including the share in the net profit of associated entities). Cost of risk – the balance of provisions created and released due to the impairment on the value/quality of the bank’s financial assets (e.g. loans) including legal cost of risk for FX mortgage loans to the average value of gross loans. Provisioning ratio – the ratio of provisions established to impaired loans as part of Stage 3 loans. Bank tax – tax from certain financial institutions; in the case of banks it is paid monthly on the surplus of assets over own funds, treasury bonds and fixed level of PLN 4 billion; the tax rate is 0.0366% monthly (0.44% annually). ROA – Return on Assets – the ratio of net profit to the average assets in a given period. ROE – Return on Equity – the ratio of net profit to the average equity in a given period. L/D ratio – loan to deposit ratio; the ratio describing what portion of deposits was used to fund lending. MCFH Macro Cash Flow Hedge; revaluation reserve from measurement of cash flow hedging instruments. RWA Risk weighted assets – the sum of assets multiplied by the risk weights of a given asset category. Tier 1 ratio – the ratio of Tier 1 capital (the capital of the highest quality) to the bank’s risk weighted assets. TCR Total capital ratio – the ratio of total own funds (including subordinated debt (so-called Tier 2)) to the bank’s risk weighted assets.
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Contact details Calendar for 2026 Iza Rokicka Head of Investor Relations, ESG Reporting and Market Research Bureau +48 887 611 162 iza.rokicka@ing.pl ING Bank Śląski S.A. ul. Pulawska 2 02-566 Warsaw investor@ing.pl 48 Report for Q4 2025 (preliminary data) Annual report for 2025 Report for Q1 2026 Report for Q2 2026 Report for Q3 2026 10 February 5 March 30 April 30 July 29 October
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Investor Information ING Bank Śląski S.A. prepares the financial statements under the International Accounting Standards (IAS) adopted by the European Union (IFRS-EU). The financial information presented in this document has been prepared based on the same accounting principles as applied in the ING Bank Śląski S.A. Annual Report. All figures in this document are unaudited. Minor differences in figures are possible. Minor differences in figures are possible. Certain statements contained herein are not historical facts; some of them in particular are forecasts and future expectations that are based on current views and assumptions of the Bank Management Board and that involve known and unknown risks and uncertainties. Actual results, performance or events may differ materially from data contained or implied in such statements due to the following: (1) changes in general economic conditions, (2) changes in performance of financial markets, (3) changes in the availability of, and costs associated with, sources of liquidity such as interbank funding, as well as conditions in the credit markets generally, including changes in borrower and counterparty creditworthiness, (4) changes affecting interest rate levels, (5) changes affecting FX rates, (6) changes in general competitive factors, (7) changes in laws and regulations, (8) changes in the policies of governments and/or regulatory authorities, and (9) conclusions with regard to acquisition accounting assumptions and methodologies. ING Bank Śląski S.A. assumes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information or for any other reason. www.ing.pl www.ing.pl