Slides
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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 - financial and business results for Q3 2026 ING Bank Śląski S.A. Warsaw, 29 October 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. Financial results for Q3 2026 3. 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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Corporate loans portfolio PLN 108.7 bn (+9.1 bn y/y) Key facts – Q3 2026 4 Net interest income PLN 2,444 mn (+5% q/q, +11% y/y) Net fee and commission income PLN 692 mn (+2% q/q, +16% y/y) Opex PLN 1,117 mn (+1% q/q, +7% y/y) Cumulative ROE adjusted for MCFH 19.7% (21.0% a year earlier) Net profit PLN 1,133 mn (-5% q/q, +2% y/y) 98 ths new retail clients 20 ths new corporate clients in Q3 2026 Client base Business volumes Cash loans portfolio PLN 10.6 bn (+1.3 bn y/y) Clients’ deposits PLN 264.7 bn (+34.5 bn y/y) MCFH-adjusted ROE = net profit for the last four quarters / average equity excluding MCFH calculated over five consecutive quarter-ends; *according to NBP data. L/D - bank 72.5% L/D - sector 66.9% Mortgage loans portfolio PLN 73.1 bn (+5.6 bn y/y)
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Copy content slides Using this slide is great for sharing information with colleagues as a document, rather than in presentations. Key elements of the ‚ING. In the Beat of Life’ strategy implementation in Q3 2026 Our Promise to clients Our Bold moves Our Advantages supporting implementation of the strategy Most impactful Most valuedMost loved Our vision Undisputable customer experiences powered by digital innovation and AI / Gen AI capabilities Assisting clients in wealth management and making sound financial decisions Strategic partner in key projects shaping Poland's economy Investments and retirement solutions New clients Boosting lending activity Modern product offering Frictionless banking 263 ths clients with pension product1 403 ths Investing clients2 15.3% investment market share3 Corporate loans Mortgages #LeasingOnClick Accounts in the subscription model 4.8 Google Play Moje ING Consumer lending Factoring4 5.5 m Clients, including: Retail clients: 4.9 m Corporate clients: 618 ths PLN 73.1 bn 4.9% market share #3 PLN 109 bn ING Business• average decision time: 13 seconds 4.9 App Store 4.9 Google Play 4.4 App Store #1NPS5 Expansion of benefits and initiatives supporting dialogue and strong workplace relationships Finalizing the Bank's preparations for offering POLSTR-based products Further automation of control processes ING is the first choice for children aged 7-12 and a leader in financial education for young people #1 bank for enterprising and resourceful clients 51% of applications migrated to the cloud Level of process automation (STP): 82% Renewable energy financing financing6: PLN 2.9 bn Share of energy-efficient properties in new mortgage sales7: 58% ESG & Sustainability Scalable operating modelInnovative technology#1 financial brand in Poland Modern Risk and Finance Top employer 1) Defined as clients holding an IKE or IKZE account with an active investment register and a positive product balance; 2) Defined as clients with investment fund-based products (including IKE, IKZE) and/or individual brokerage accounts and a fund balance of at least PLN 100; 3) Defined as the ratio of the sum of ING TFI’s assets and bank clients’ funds invested through other investment fund management companies to the total assets of investment fund management companies operating in the capital and money markets; 4) Market position by the value of financed invoices; 5) NPS among individual bank clients; 6) Cumulative value of financing granted since 2024; 7) Cumulative share from the beginning of the year to the end of Q3 2026. Digital Mortgage
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Business volumes 6 PLN million Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 change % q/q change % y/y change q/q change y/y Total client deposits 221,180 223,650 230,214 233,356 242,489 258,330 264,690 + 2% + 15% 6,360 34,476 Corporate deposits 89,384 90,373 95,759 97,305 97,372 102,000 105,479 + 3% + 10% 3,479 9,720 Retail deposits 131,796 133,277 134,455 136,051 145,117 156,330 159,211 + 2% + 18% 2,881 24,756 Investment funds and other off-balance sheet products distributed by the Bank Group* 28,125 30,244 32,159 33,864 35,538 82,959 85,542 + 3% + 166% 2,583 53,383 Total client loans** 171,288 175,125 177,949 181,980 186,008 190,702 193,935 + 2% + 9% 3,233 15,986 Loans to corporate banking clients, incl. Leasing, factoring and loans granted to banks 98,056 99,271 99,577 101,556 103,753 106,540 108,678 + 2% + 9% 2,138 9,101 Loans to retail clients 73,232 75,854 78,372 80,424 82,255 84,162 85,257 + 1% + 9% 1,095 6,885 Mortgage loans 63,117 65,508 67,563 69,268 70,823 72,455 73,135 + 1% + 8% 680 5,572 Cash loans 8,706 8,913 9,343 9,699 9,993 10,246 10,632 + 4% + 14% 386 1,289 *ING TFI has been fully consolidated since Q2 2026; **IIncludes loans granted to banks.
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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 Q3 2026
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Financial results 8 PLN million Q3 2025 Q2 2026 Q3 2026 % change q/q % change y/y Net interest income 2,192 2,330 2,444 + 5% +11% Net fee and commission income 598 679 692 + 2% +16% Other income 168 219 23** - 89% -86% Total income 2,958 3,228 3,159 - 2% +7% Total expenses -1,047 -1,101 -1,117 + 1% +7% Result before risk costs 1,911 2,127 2,042 - 4% +7% Risk costs, including legal risk costs related to FX mortgage loans -251 -41 -73 + 78% -71% Bank levy -199 -221 -223 + 1% +12% Profit (loss) before tax 1,461 1,865 1,746 - 6% +20% Income tax -349 -672 -613 - 9% +76% Net result 1,112 1,193 1,133 - 5% +2% Total capital ratio (TCR) 14.87% 15.48% 15.09% -0.39 p.p. +0.22 p.p. Tier 1 capital ratio 13.99% 14.00% 13.67% -0.33 p.p. -0.32 p.p. ROE (%)* 25.7% 22.9% 22.7% -0.2 p.p. -3.0 p.p. ROE adjusted for MCFH (%)* 21.0% 20.0% 19.7% -0.3 p.p. -1.3 p.p. Total expenses (incl. bank levy)/total income (%) 42.1% 41.0% 42.4% +1.5 p.p. +0.3 p.p. *ROE = total net profit for four consecutive quarters / average equity for five consecutive quarters; **Includes PLN 13 mn of additional legal risk provisions. 9M 2025 9M 2026 % change y/y 6,576 7,107 +8% 1,761 1,966 +12% 460 361 -22% 8,797 9,434 +7% -3,304 -3,499 +6% 5,493 5,935 +8% -653 -325 -50% -593 -648 +9% 4,247 4,962 +17% -986 -1,813 +84% 3,261 3,149 -3% 14.87% 15.09% +0.22 p.p. 13.99% 13.67% -0.32 p.p. 25.7% 22.7% -3.0 p.p. 21.0% 19.7% -1.3 p.p. 44.3% 44.0% -0.3 p.p.
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Net interest income 9 Net interest income (PLN million) and net interest margin Interest income & expenses (PLN million) Loan*-to-deposit ratio 3,504 3,487 3,427 3,478 3,628 -1,312 -1,192 -1,094 -1,148 -1,184 5.03% 5.02% 4.76% 4.59% 4.65% -2.03% -1.86% -1.65% -1.63% -1.62% -3.50% -1.50% 0.50% 2.50% 4.50% 6.50% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Interest income Interest expenses Yield on interest-earning assets Funding costs +4% q/q y/y +4%+3% -10% 75.6% 77.0% 75.7% 72.9% 72.5% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 3.86%3.80%4.17%3.86%5.37% 4.73% 3.91% 6M WIBOR *IIncludes the volume of loans granted to banks. 2,192 2,295 2,333 2,330 2,444 3.33% 3.27% 3.22% 3.18% 3.18% 3.15% 3.30% 3.24% 3.07% 3.14% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 0.010.020.030.040.050.060.070.080.090.0100.0110.0120.0130.0140.0150.0160.0170.0180.0190.0200.0210.0220.0230.0240.0250.0260.0270.0280.0290.0300.0310.0320.0330.0340.0350.0360.0370.0380.0390.0400.0410.0420.0430.0440.0450.0460.0470.0480.0490.0500.0510.0520.0530.0540.0550.0560.0570.0580.0590.0600.0610.0620.0630.0640.0650.0660.0670.0680.0690.0700.0710.0720.0730.0740.0750.0760.0770.0780.0790.0800.0810.0820.0830.0840.0850.0860.0870.0880.0890.0900.0910.0920.0930.0940.0950.0960.0970.0980.0990.01,000.01,010.01,020.01,030.01,040.01,050.01,060.01,070.01,080.01,090.01,100.01,110.01,120.01,130.01,140.01,150.01,160.01,170.01,180.01,190.01,200.01,210.01,220.01,230.01,240.01,250.01,260.01,270.01,280.01,290.01,300.01,310.01,320.01,330.01,340.01,350.01,360.01,370.01,380.01,390.01,400.01,410.01,420.01,430.01,440.01,450.01,460.01,470.01,480.01,490.01,500.01,510.01,520.01,530.01,540.01,550.01,560.01,570.01,580.01,590.01,600.01,610.01,620.01,630.01,640.01,650.01,660.01,670.01,680.01,690.01,700.01,710.01,720.01,730.01,740.01,750.01,760.01,770.01,780.01,790.01,800.01,810.01,820.01,830.01,840.01,850.01,860.01,870.01,880.01,890.01,900.01,910.01,920.01,930.01,940.01,950.01,960.01,970.01,980.01,990.02,000.02,010.02,020.02,030.02,040.02,050.02,060.02,070.02,080.02,090.02,100.02,110.02,120.02,130.02,140.02,150.02,160.02,170.02,180.02,190.02,200.02,210.02,220.02,230.02,240.02,250.02,260.02,270.02,280.02,290.02,300.02,310.02,320.02,330.02,340.02,350.02,360.02,370.02,380.02,390.02,400.02,410.02,420.02,430.02,440.02,450.02,460.02,470.02,480.02,490.02,500.02,510.02,520.02,530.02,540.02,550.0 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Reported net interest income NIM - cumulative NIM - quarterly +11% +5% 6,576 7,107 3.33% 3.18% 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 9M 25 9M 26 +8% 92 days90 days92 days273 days273 days 92 days 91 days
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Fee and commission income 10 Fee and commission income by category (PLN million) • Higher client transaction volumes drove the q/q increase in FX and card-related fee and commission income. • The q/q increase in fee and commission income from capital market activities was driven by growth in investment fund assets; the y/y increase reflects the full consolidation of ING TFI since Q2 2026. *Capital markets, net, include income and expenses related to the distribution of investment fund units, asset management and brokerage activities. -129 -143 380 398 533 540 238 239 422 440 121 283196 2091,761 1,966 9M 25 9M 26 r/r +134% +4% +7% +5% +1% +0% +11% +12% -47 -44 -41 -48 -54 128 134 131 132 135 184 181 163 185 192 84 75 71 83 85 140 138 150 146 144 42 46 53 111 11967 68 68 70 71598 598 595 679 692 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Bancassurance Capital markets, net* Financing (loans, leasing, factoring) Payment and credit cards, net FX transactions Client account maintenance Other fee and commission income and expensess, net kw/kw +7% -1% +1% +2% +4% +2% 13% r/r +183% +3% +6% +5% +4% +1% 15% +2% +16%
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Total expenses including bank levy 11 Total expenses including bank levy (PLN million) 535 563 551 587 591 408 303 378 437 442 79 89 74 77 8425 25 278199 208 204 221 223 1,246 1,188 1,485 1,322 1,340 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Personnel costs General and administrative costs Amortisation and depreciation Regulatory costs (PFSA + BGF) Bank levy 1,562 1,729 1,225 1,257 233 235284 278 593 648 3,897 4,147 9M 25 9M 26 34.3% FTEs 7,7107,6467,7547,754 Total expenses including bank levy / total income 42.4%38.9%42.1%44.3% 7,710 44.0% 7,752 41.0% 7,692 48.7% Total expenses excluding bank levy / total income 35.4%32.1%35.4%34.1% 34.1%42.0% y/yq/q +1% - +1% +9% +1% +1% +1% +6% +8% +10% +9% y/y -2% +9% +6% +1% +3% +11% +7% +6% +1% +8% +12% -100% 0%
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Cost of risk, including legal risk costs ING BSK consolidated data (PLN million) Corporate banking (PLN million) Retail banking (PLN million) *Provision additions are presented with a (+) sign and provision reversals with a (-) sign. legal risk costs legal risk costs PLN million Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Impact of macroeconomic parameters on net provisions* Retail banking +4 +8 +4 -25 -1 Corporate banking +17 -7 +49 -1 -22 Total +21 +1 +54 -26 -23 Impact of sales of Stage 3 and POCI receivables portfolios* Retail banking 0 0 0 -58 0 Corporate banking 0 -19 0 -4 0 Total 0 -19 0 -62 0 12 200 56 192 94 42 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 621 328 9M 25 9M 26 0.81% 0.22% 0.75% 0.36% 0.16% Cumulative risk cost margin 0.69% 0.69% 0.69% 0.53% 0.37% Quarterly risk cost margin 59 1 1 1 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 133 19 -53 31 1 3 9M 25 9M 26 32 0.26% 0.67% 0.09% -0.25% 0.15% 0.20% 0.22% 0.21% 0.19% 0.16% 0.11% 0.14% 0.13% 0.11% 0.08% 0.26% 0.37% 0.09% -0.26% 0.14% -3 51 59 1 1 1 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 73 1 3 9M 25 9M 26 653 0.57% 0.42% 0.46% 0.09% 0.15% Cumulative risk cost margin 0.48% 0.48% 0.48% 0.38% 0.28% Quarterly risk cost margin CHF-adjusted cumulative risk cost margin 0.44% 0.45% 0.44% 0.35% 0.24% 0.57% 0.29% 0.46% 0.09% 0.15%CHF-adjusted cumulative risk cost margin 325 251 189 211 41 Cumulative risk cost margin Quarterly risk cost margin CHF-adjusted cumulative risk cost margin CHF-adjusted cumulative risk cost margin
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Portfolio quality and provisioning 13 Share of non-performing loans in the total loan portfolio Note: Market ratios are estimates based on PFSA data. The Q3 2026 figures are based on August 2026 data. NPLs comprise Stage 3 and POCI exposures. ING BSK consolidated data Corporate segment Retail segment Share of Stage 2 in the gross portfolio Stages 1 and 2 coverage ratio Stage 3 coverage ratio 4.0% 3.8% 3.9% 3.8% 4.0% 4.5% 4.3% 4.4% 4.4% 4.3% -2% 0% 2% 4% 6% 8% 10% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 ING BSK Market 6.2% 5.8% 6.1% 6.0% 6.3% 6.4% 6.1% 6.5% 6.6% 6.5% -2% 0% 2% 4% 6% 8% 10% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 ING BSK (corporate segment) Market 1.2% 1.2% 1.2% 1.1% 1.1% 0.5% 0.4% 0.4% 0.4% 0.4% 2.8% 2.6% 2.6% 2.5% 2.5% -2% 0% 2% 4% 6% 8% 10% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 ING BSK (retail segment - total) ING BSK (retail segment - mortgage loans) Market (total) 7.8% 7.7% 7.1% 7.5% 8.0% 2.7% 2.8% 2.7% 2.6% 3.7% 11.8% 11.5% 10.7% 11.3% 11.5% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 ING BSK consolidated Retail segment Corporate segment 0.15% 0.15% 0.15% 0.16% 0.15% 3.93% 4.02% 4.09% 3.93% 3.74% 0.46% 0.46% 0.44% 0.45% 0.44% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Stage 1 coverage ratio Stage 2 coverage ratio Stage 1&2 coverage ratio 52.4% 49.2% 48.5% 48.2% 48.1% 61.2% 62.2% 64.4% 58.7% 58.3% 51.1% 46.9% 46.0% 46.8% 46.6% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 ING BSK consolidated Retail segment Corporate segment
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24.47% 26.03% 25.40% 25.59% 25.16% 9.69% 10.77% 9.83% 9.89% 9.71% 20.75% 20.75% 20.33% 20.33% 21.30% 5.91% 5.91% 5.91% 5.91% 5.91% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 MREL ratio (TREA) MREL ratio (TEM) Minimum MREL requirement (TREA) Minimum MREL requirement (TEM) Capital adequacy and liquidity position 14 Consolidated capital ratios Decomposition of the q/q change in the total capital ratio (TCR) MREL ratio (standalone), including the combined buffer requirement Liquidity ratios 14.87% 15.77% 15.81% 15.48% 15.09% 13.99% 14.97% 14.24% 14.00% 13.67% 12.50% 12.50% 12.50% 12.50% 13.47% 10.50% 10.50% 10.50% 10.50% 11.47% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Total capital ratio (TCR) Tier 1 ratio Minimum TCR requirement Minimum Tier 1 requirement 14.93% 15.48% 15.09% 0.55% -0.15% -0.03% -0.20% Q2 26 previously Recognition of profit for 1H26 Q2 26 Tier 1 Tier 2 RWA Q3 26 -0.39 p.p. 231% 251% 199% 215% 194% 175% 162% 166% 169% 170% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 LCR NSFR
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Appendices Retail banking Corporate banking Financial results and other information About us
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Retail banking 16 • Mortgage loan originations amounted to PLN 4,965 million in Q3 2026 (-1% y/y) • Cash loan originations amounted to PLN 2,029 million in Q3 2026 (+9% y/y) … • ... of which 94% of cash loan sales were generated through online channels Clients and transactions Financing • We serve 4.9 million retail clients • We operate 4.3 million current accounts for retail clients • In Q3 2026, our retail clients made: • 2% y/y more outgoing electronic transfers in Moje ING (176 million) • 12% y/y more BLIK transactions (total 68 million) • 319 million debit card transactions (no change y/y) • 7% y/y fewer transactions in branches (197 thousand) Growth in volumes y/y Mortgage loans (PLN million) Cash loans (PLN million) Deposits (PLN million) 67,563 73,135 Q3 25 Q3 26 9,343 10,632 Q3 25 Q3 26 134,455 159,211 Q3 25 Q3 26 +8% +14% +18%
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Retail client base 4.9 million retail clients 17 • 84% of current accounts are Konto Direct cccounts • In Q3 2026, clients used the National Hub, Poland’s electronic identification standard for public administration and government services, to confirm their identity 5.7 million times. Of these confirmations, 21% were made via the mobile application • In Q3 2026, our clients used our services to submit 21,000 applications for the 800+ benefit and 310,000 applications for the 300+ benefit Number of retail clients (thousand) Number of retail clients with a current account (thousand) Note: current accounts in PLN. Primary clients are clients who have a current account with a balance above PLN 100, into which their salary is paid, and hold at least one other active product. 4,037 4,070 4,126 4,199 4,259 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 q/q y/y +60k +222k 4,676 4,700 4,748 4,815 4,867 2,348 2,374 2,391 2,420 2,442 80 62 88 101 98 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Total number of retail clients Primary retail clients New retail clients, gross q/q y/y +53k +191k +22k +94k
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Retail lending Retail loan portfolio (gross; PLN million) • Cash loan originations amounted to PLN 2.0 billion in Q3 2026 (+9% y/y) • Mortgage loan originations amounted to PLN 5.0 billion in Q3 2026 (-1% y/y), representing a 12.4% market share: • including PLN 3,038 million of fixed-rate mortgage loans (-12% y/y) • including PLN 810 million of loans for energy- efficient properties** (no change y/y) • Market share of 13.9% in PLN-denominated mortgage loans and 13.1% in total mortgage loans in Q3 2026 Mortgage loan originations (PLN million) Cash loan originations (PLN million) 18 *FX mortgage loans after adjusting the gross carrying amount for legal risk provisions, which amounted to PLN 296 million in Q3 2025, PLN 294 million in Q4 2025, PLN 254 million in Q1’26, PLN 212 million in Q2’26 and PLN 174 million in Q3’26; **We charge no commission and offer a lower margin for financing a house or residential property whose annual demand for non-renewable primary energy for heating, ventilation and hot water does not exceed: 62 kWh/m²/year for a house; 76 kWh/m²/year for a renovated house; 58 kWh/m²/year for residential premises in a multi-family building; or 62 kWh/m²/year for residential premises in a single-family building. 40,309 40,931 41,921 42,719 43,239 27,146 28,276 28,840 29,681 29,850 108 61 62 55 469,343 9,699 9,993 10,246 10,6321,466 1,457 1,439 1,461 1,49078,372 80,424 82,255 84,162 85,257 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 PLN mortgage loans - floating rate PLN mortgage loans - fixed rate FX mortgage loans* Cash loans Other loans +9% +1% q/q y/y +1% +7% +4% +14% -16% -57% +2% +2% +1% +10% 1,865 1,857 1,787 1,957 2,029 0 500 1,000 1,500 2,000 2,500 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 +4% +9% 68% 60% 57% 59% 61% 32% 40% 43% 41% 39% 5,005 4,633 5,939 5,847 4,965 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Fixed rate Floating rate -15% -1%
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Savings and investments Retail client savings and investment portfolio(PLN million) • The number of clients holding an investment product reached 403 thousand (+10% y/y, +2% q/q), while 263 thousand clients held a dedicated pension poduct with ING (+25% y/y, +4% q/q) • In Q3 2026, approximately 68% of purchases of open- end investment fund (FIO) units by the Bank’s clients were executed via mobile banking • At the end of Q3 2026, the Bank had 211 thousand brokerage accounts (+5% y/y, +2% q/q) • Equity market turnover generated by our brokerage business amounted to PLN 4.2 billion in Q3 2026 (+ 30% y/y, unchanged q/q) corresponding to a market share of 1.26% (-0.2 p.p. both y/y and q/q) • The Group’s market share in investment products ** was 15.3% at the end of Q3 2026 • Assets invested in funds classified under Articles 8 and 9 of the SFDR *** amounted to PLN 18.4 billion (+130% y/y, +3% q/q) 19 *Full consolidation of ING TFI took place in Q2 2026; **Defined as the ratio of the sum of ING TFI’s assets and bank clients’ funds invested through other investment fund management companies to the total assets of investment fund management companies operating in the capital and money markets; ***Funds promoting environmental or social characteristics under Article 8 and funds with a sustainable investment objective under Article 9 of the SFDR. 35,118 34,998 37,193 37,141 37,534 79,758 81,942 88,677 97,878 96,757 19,579 19,111 19,247 21,311 24,92022,574 24,536 25,447 71,995 73,473 9,261 9,075 9,815 10,587 11,699 166,290 169,662 180,379 238,912 244,383 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Financial instruments held in brokerage accounts Mutual funds* Term deposits and structured products Savings accounts Current accounts +2% +47% +2% q/q y/y +225% +1% +7% +17% +27% -1% +21% +11% +26% 3% 168% 2% 18%
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The continued evolution of banking ING is becoming increasingly digital 3.2 million mobile banking users* Digital banking • Retail clients completed 67.7 million BLIK transactions in Q3 2026 (+ 1% q/q, +12% y/y), including 46.6 million online transactions (-2% q/q, +8% y/y) • 4.8 million clients with access to electronic banking (+2% q/q, +7% y/y), 70% of whom are actively using this access • 3.1 million active mobile app users (+1% q/q, +6% y/y)* • 2.7 million mobile-only users (+3% q/q, +9% y/y)* • The total number of mobile cards reached 1.6 million (+7% q/q, -6% y/y)** • Online channels accounted for 94% of cash loan originations in Q3 2026 157 150 147 143 141 60 64 65 67 6655 55 55 55 55 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Meeting places ING Express Cash service points 7% 7% 6% 6% 6% 5% 25% 24% 23% 27% 23% 22% 68% 69% 71% 67% 71% 73% Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 PC only PC and mobile banking Mobile banking only Physical distribution network Average rating of Moje ING mobile app in the app stores Digital banking usage by access channel based on the number of users • 141 client meeting places (-9 vs end of 2025) • 847 cash recyclers with cash deposit and withdrawal functionality, all equipped with contactless readers Google Play – 4.8 App Store – 4.9 20 *The definition of active users changed in Q3 2026. Under the new definition, active users are those who logged in at least once in each month of the quarter; **The y/y decline resulted from the discontinuation of the Visa HCE and Mastercard –on mobile payment services in June 2026.
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Appendices Retail banking Corporate banking Financial results and other information About us
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Deposits (PLN million) Receivables (PLN million) * Corporate banking • We serve 618 thousand corporate clients, of which: • 570 thousand are entrepreneurs • 44 thousand are SMEs and mid-corporates • 4.1 thousand are strategic clients • In Q3 2026, our corporate clients using ING Business made 50 million transfers (-3% y/y), of which 5.7 million were made in mobile banking (+26% y/y) • We have 49 thousand payment terminals in total; we processed 17 million transactions in Q3 2026 (-2% y/y) • 13,000 stores with an active ING Pay payment gateway (+11% y/y) • The portfolio of receivables from entrepreneurs increased by PLN 363 million y/y (+3% y/y) to PLN 11.3 billion • The portfolio of receivables from SMEs and mid- corporates increased by PLN 2.9 billion y/y (+6% y/y) to PLN 54.2 billion • The portfolio of receivables from strategic* clients increased by PLN 5.9 billion y/y (+16% y/y) to PLN 43.2 billion Clients and ordered transactions Financing Growth in volumes y/y 99,577 108,678 Q3 25 Q3 26 95,759 105,479 Q3 25 Q3 26 +10% +9% *Includes the volume of loans granted to banks.
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Corporate client base 618 thousand companies 23 We maintain 501 thousand current accounts for 570 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). 548 551 556 564 570 280 283 287 289 293 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Number of entrepreneurs - total Number of entrepreneurs - primary* +6k q/q y/y +22.6k +4k +13k 38.4 39.3 39.6 42.4 44.0 3.68 3.73 3.81 3.98 4.0742.1 43.0 43.4 46.4 48.1 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Number of SME and mid-corporates Number of strategic clients q/q y/y +0.1k +0.4k +1.6k +5.6k
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Corporate receivables Loans volume (gross; PLN million)* Leasing receivables volume** (gross; PLN million) *Includes the volume of loans granted to banks; **Does not include lease loans. Factoring receivables volume (gross; PLN million) 24 30 29 34 38 39 3,605 3,388 3,511 3,800 3,684 3,197 3,421 3,499 3,620 3,733 6,832 6,838 7,044 7,458 7,456 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Entrepreneurs SME and mid-corporates Strategic clients (capital groups) +9% 0% +3% q/q y/y +17% -3% +2% +3% +30% 8,624 8,620 8,810 8,866 8,969 38,239 37,658 38,874 39,655 40,904 32,014 34,637 35,326 36,775 37,343 78,877 80,915 83,010 85,296 87,216 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Entrepreneurs SME and mid-corporates Strategic clients (capital groups) +11% +2% q/q y/y +2% +17% +3% +7% +1% +4% +1% 0% +2% +1% 0% 0%2,250 2,259 2,259 2,265 2,259 9,518 9,459 9,340 9,432 9,639 2,100 2,085 2,100 2,089 2,108 13,868 13,803 13,699 13,786 14,006 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Entrepreneurs SME and mid-corporates Strategic clients (capital groups) +1% +2% q/q y/y **
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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 +26% y/y to 5.7 million new corporate clients acuired in Q3 2026 19.9 thousand 24,561 27,309 25,234 26,676 27,893 47,218 49,236 48,788 50,747 52,768 23,980 20,760 23,350 24,577 24,818 95,759 97,305 97,372 102,000 105,479 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Entrepreneurs SME and mid-corporates Strategic clients (capital groups) +10% +3% +1% q/q y/y +3% +4% +12% +5% +14% 17,807 20,290 18,486 19,808 20,685 25,426 29,297 26,332 27,981 28,714 17,048 16,548 17,753 19,446 18,017 60,281 66,135 62,571 67,235 67,416 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Entrepreneurs SME and mid-corporates Strategic clients (capital groups) +12% +0% -7% q/q y/y +6% +3% +13% +4% +16%
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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) Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 q/q y/y million % million % Net interest income, of which: 2,261 2,211 2,173 2,192 2,295 2,333 2,330 2,444 114 4.9% 252 11.5% Interest income 3,410 3,368 3,453 3,504 3,487 3,427 3,478 3,628 150 4.3% 124 3.5% Interest expenses -1,149 -1,157 -1,280 -1,312 -1,192 -1,094 -1,148 -1,184 -36 3.1% 128 -9.8% Net fee and commission income 565 579 584 598 598 595 679 692 13 1.9% 94 15.7% Result on trade operations and revaluation 39 114 145 158 144 85 198 37 -161 -81.3% -121 -76.6% Net income on instruments measured at fair value through profit or loss and FX result 60 108 171 116 126 41 108 67 -41 -38.0% -49 -42.2% The result on the sale of securities measured at amortised cost 1 1 -4 -1 0 -1 0 -1 -1 - 0 0.0% Net income on the sale of securities measured at fair value through other comprehensive income and dividend income -18 0 12 4 43 0 86 -18 -104 - -22 - Net income on hedge accounting -4 5 -34 39 -25 45 4 -11 -15 - -50 - Net income on other core activities 25 6 7 -2 3 23 21 -15 -36 - -13 650.0% Share in net profit (loss) of associated entities recognised under the equity method 10 9 11 12 17 11 0 1 1 - -11 -91.7% Income 2,900 2,919 2,920 2,958 3,057 3,047 3,228 3,159 -69 -2.1% 201 6.8% Expenses -934 -1,202 -1,055 -1,047 -980 -1,281 -1,101 -1,117 -16 1.5% -70 6.7% Personnel expenses -541 -501 -526 -535 -563 -551 -587 -591 -4 0.7% -56 10.5% Depreciation and amortisation -90 -80 -74 -79 -89 -74 -77 -84 -7 9.1% -5 6.3% Regulatory expenses 0 -234 -25 -25 -25 -278 0 0 0 - 25 -100.0% Other expenses -303 -387 -430 -408 -303 -378 -437 -442 -5 1.1% -34 8.3% Result before risk costs 1,966 1,717 1,865 1,911 2,077 1,766 2,127 2,042 -85 -4.0% 131 6.9% Risk costs including legal cost of risk for FX mortgage loans -173 -209 -193 -251 -189 -211 -41 -73 -32 78.0% 178 -70.9% Retail -118 -23 42 -51 -133 -19 53 -31 -84 - 20 -39.2% Corporate -55 -186 -235 -200 -56 -192 -94 -42 52 -55.3% 158 -79.0% Tax on certain financial institutions -192 -196 -198 -199 -208 -204 -221 -223 -2 0.9% -24 12.1% Profit (loss) before tax 1,601 1,312 1,474 1,461 1,680 1,351 1,865 1,746 -119 -6.4% 285 19.5% Income tax -292 -298 -339 -349 -308 -528 -672 -613 59 -8.8% -264 75.6% Net profit (loss), of which: 1,309 1,014 1,135 1,112 1,372 823 1,193 1,133 -60 -5.0% 21 1.9% Net profit (loss) attributable to the shareholders of ING BSK 1,309 1,014 1,135 1,112 1,372 823 1,193 1,133 -60 -5.0% 21 1.9% 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 40.25 31.18 34.90 34.19 42.18 25.30 36.68 34.83 -1.84 -5.0% 0.65 1.9% 27
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Consolidated statement of financial position Consolidated statement of financial position (PLN million) Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 q/q y/y million % million % Assets Cash in hand and balances with the Central Bank 8,361 9,240 8,828 8,457 7,310 8,609 11,424 15,814 4,390 38.4% 7,357 87.0% Loans and receivables to other banks 856 1,244 869 908 853 849 825 3,462 2,637 319.6% 2,554 281.3% Financial assets measured at fair value through profit or loss 1,927 1,728 1,664 1,446 2,333 1,357 2,858 2,506 -352 -12.3% 1,060 73.3% Derivative hedge instruments 61 159 47 126 73 63 29 236 207 713.8% 110 87.3% Investment securities 58,992 60,706 56,162 60,635 65,556 80,249 82,609 82,029 -580 -0.7% 21,394 35.3% Assets securing liabilities 179 4,805 16,431 7,940 0 13,171 5,804 5,077 -727 -12.5% -2,863 -36.1% Loans and other receivables to clients 165,658 168,145 172,232 174,672 180,316 184,159 188,756 189,699 943 0.5% 15,027 8.6% Receivables due to repo transactions 21,819 20,711 23,336 26,209 23,101 11,658 18,526 19,379 853 4.6% -6,830 -26.1% Non-financial assets 1,468 1,457 1,453 1,479 1,489 1,518 2,164 2,205 41 1.9% 726 49.1% Income tax assets 704 607 619 664 633 891 649 960 311 47.9% 296 44.6% Other assets 334 365 339 460 361 422 266 229 -37 -13.9% -231 -50.2% Total assets 260,359 269,167 281,980 282,996 282,025 302,946 313,910 321,596 7,686 2.4% 38,600 13.6% Equity and liabilities Liabilities Liabilities to banks 15,468 14,595 14,671 14,746 15,042 15,090 16,708 15,750 -958 -5.7% 1,004 6.8% Financial liabilities at fair value through profit or loss 1,400 961 839 926 916 1,022 981 1,782 801 81.7% 856 92.4% Derivative hedge instruments 83 172 57 129 77 104 41 187 146 356.1% 58 45.0% Liabilities to clients 219,996 223,239 225,631 232,103 235,328 244,500 260,166 266,544 6,378 2.5% 34,441 14.8% Liabilities under repo transactions 0 4,755 16,307 7,883 0 13,128 6,097 8,381 2,284 37.5% 498 6.3% Liabilities under debt securities issued 509 501 509 1,501 1,521 1,501 2,520 2,515 -5 -0.2% 1,014 67.6% Subordinated liabilities 1,499 1,467 1,487 1,497 2,548 2,585 2,590 2,633 43 1.7% 1,136 75.9% Provisions 636 613 589 607 643 681 637 585 -52 -8.2% -22 -3.6% Income tax liability 17 149 455 697 924 0 672 423 -249 -37.1% -274 -39.3% Other liabilities 3,581 3,906 3,819 3,753 3,684 3,750 3,819 3,806 -13 -0.3% 53 1.4% Total liabilities 243,189 250,358 264,364 263,842 260,683 282,361 294,231 302,606 8,375 2.8% 38,764 14.7% Equity Share capital 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 0 0.0% 0 0.0% Revaluation reserve -4,699 -4,076 -3,131 -2,704 -1,884 -3,460 -2,090 -3,920 -1,830 87.6% -1,216 45.0% Retained earnings 20,783 21,805 19,667 20,772 22,149 22,976 20,700 21,824 1,124 5.4% 1,052 5.1% Own shares for the purposes of the incentive programme 0 -6 -6 0 -9 -17 -17 0 17 -100.0% 0 - Equity attributable to shareholders of ING BSK 17,170 18,809 17,616 19,154 21,342 20,585 19,679 18,990 -689 -3.5% -164 -0.9% Non-controlling interests 0 0 0 0 0 0 0 0 0 - 0 - Total equity 17,170 18,809 17,616 19,154 21,342 20,585 19,679 18,990 -689 -3.5% -164 -0.9% Total equity and liabilities 260,359 269,167 281,980 282,996 282,025 302,946 313,910 321,596 7,686 2.4% 38,600 13.6% 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% Book value per share (PLN) 131.98 144.57 135.40 147.23 164.04 158.22 151.26 145.96 -5.30 -3.5% -1.26 -0.9% 28
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Income per category Income per P&L line (PLN million) Income per business line (PLN million) 29 2,192 2,295 2,333 2,330 2,444 598 598 595 679 692168 164 119 219 232,958 3,057 3,047 3,228 3,159 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Net interest income Net fees and commissions Other income q/q +5% +2% -89% y/y +11% +16% -86% +7% -2% 1,350 1,401 1,410 1,619 1,421 1,608 1,656 1,637 1,609 1,738 2,958 3,057 3,047 3,228 3,159 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Retail banking Corporate banking +7% -2% +8% q/q y/y +8% -12% +5% +4% +12%
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Other income Other income (PLN million) 30 -2 3 23 21 -15 116 126 41 108 67 3 43 36 -19 50 39 -25 45 4 -11 12 17 11 1 168 164 119 219 23 Q3 25 Q4 25 Q1 26 Q2 26* Q3 26** Share in net profit of associated entities Result on hedge accouting Dividends Net income on the sale of securities Net income on financial instruments measured at fair value through profit or loss and FX result Result on other core activities -89% -86% q/q -38% - - - - - y/y -42% - - - +650% -92% 395 216 4 16 8 50 10 38 11 29 32 12 460 361 9M 25 9M 26 -22% y/y -45% +300% -63% +525% +164% +280% *The Q2 2026 figure includes: PLN 106 million – gain on the revaluation of the ING TFI acquisition (result on other core business), PLN 90 million – creation of provisions for legal risks (result on other core business), PLN 40 million in dividends from PSP Sp. z o.o. (dividends); **The Q3 2026 figure includes: PLN 13 million – creation of provisions for legal risks (result on other core business).
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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) 31 77.5 79.5 81.3 83.4 84.5 95.1 97.5 99.5 102.2 101.6 2.0 3.3 3.3 3.2 3.7 174.7 180.3 184.2 188.8 189.7 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Retail banking Corporate banking Other receivables +9% +0% -1% q/q y/y +7% +1% +9% +15% +79% 9.4 8.2 9.5 12.2 19.3 69.0 67.1 94.1 90.8 88.6 174.7 180.3 184.2 188.8 189.7 30.0 26.5 15.2 22.1 24.0283.0 282.0 302.9 313.9 321.6 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Other, incl. repo transactions Loans, corporate bonds and other receivables from customers Securities Loans and other receivables from banks + cash with NBP +57% +106% -2% +28% q/q y/y +0% +9% +8% -20% +14% +2% 134.5 136.1 145.1 156.3 159.2 95.8 97.3 97.4 102.0 105.51.9 2.0 2.0 1.8 1.9232.1 235.3 244.5 260.2 266.5 .0.0 50.0.0 100.0.0 150.0.0 200.0.0 250.0.0 300.0.0 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Retail banking Corporate banking Other liabilities +15% +2% +3% +10% +2% +18% +1% -2% q/q y/y 19.2 21.3 20.6 19.7 19.01.5 2.5 2.6 2.6 2.6 232.1 235.3 244.5 260.2 266.5 14.7 15.0 15.1 16.7 15.815.5 7.8 20.2 14.8 17.7283.0 282.0 302.9 313.9 321.6 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Equity Subordinated debt Deposits and other liabilities to clients Liabilities to banks Other, incl. repo transactions +14% +2% +2% +76% -4% -1% +2% +15% q/q y/y -6% +7% +20% +14%
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Capital requirement structure Consolidated capital requirement structure – Tier 1 Consolidated capital requirement structure – TCR *In justified cases, it may exceed 2.5%. 32 13.470% 11.470% 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% 1.00% 1.00% 1.00% 1.00% 1.97% 2.37% 3.27% 3.31% 2.98% 1.62% 14.87% 15.77% 15.81% 15.48% 15.09% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 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% 1.00% 1.00% 1.00% 1.00% 1.97% 3.49% 4.47% 3.74% 3.50% 2.20% 13.99% 14.97% 14.24% 14.00% 13.67% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 Minimum (CRR) Capital conservation buffer (CCB) Bufor O-SII (0-2%; OSII) Countercyclical buffer (0-2.5%*; ACB) Surplus
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Market shares 33 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. 9.1 9.3 10.2 10.7 11.1 12.0 12.6 12.0 11.9 11.9 11.7 11.5 11.2 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q 26 2Q 26 3Q 26 7.8 8.4 8.8 9.1 9.1 9.5 10.6 10.7 10.3 9.8 10.2 10.4 10.0 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q 26 2Q 26 3Q 26 8.6 8.8 9.2 9.4 10.0 10.4 10.4 10.0 10.1 10.2 10.4 11.0 11.0 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q 26 2Q 26 3Q 26 4.9 5.8 6.5 7.3 8.1 9.2 9.2 9.4 9.9 10.6 10.7 10.7 10.5 8.3 9.3 10.3 11.6 12.6 13.5 13.5 13.2 13.5 14.2 14.3 14.2 13.9 3.5 3.8 4.0 4.2 4.4 4.9 4.7 4.7 4.8 4.9 4.9 4.9 4.9 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q 26 2Q 26 3Q 26 Individuals’ loans PLN mortgage loans Cash loans
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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 11,042 10.5% 2 Real estate service 9,030 8.6% 3 Financial intermediation 8,164 7.8% 4 Other activity related to business running 6,538 6.2% 5 Land transport and transport via pipelines 5,402 5.1% 6 Retail trade 4,804 4.6% 7 Foodstuff and beverage production 4,650 4.4% 8 Constructions 4,299 4.1% 9 Renting of equipment 4,110 3.9% 10 Chemicals and chemical goods production 3,657 3.5% 11 Manufacture of fabricated metal products 3,589 3.4% 12 Public administration and national defense 3,565 3.4% 13 Power industry 3,104 2.9% 14 Rubber industry 2,785 2.6% 15 Post office and telecommunications 2,401 2.3% 16 Wood and paper industry 2,151 2.0% 17 Sale, repair and maintenance of motor vehicles 2,105 2.0% 18 Auxiliary service connected with financial intermediation 2,060 2.0% 19 Agriculture, forestry, fishery 1,915 1.8% 20 Other 19,850 18.9% Total 105,221 100.0% Non-banking portfolio of corporate banking clients – balance sheet exposure (PLN million) Consolidated approach 30.09.2026 34
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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 18,324 11.0% 2 Financial intermediation 13,021 7.8% 3 Constructions 11,399 6.9% 4 Real estate service 10,920 6.6% 5 Other activity related to business running 9,149 5.5% 6 Retail trade 8,751 5.3% 7 Foodstuff and beverage production 7,496 4.5% 8 Land transport and transport via pipelines 7,160 4.3% 9 Public administration and national defense 6,484 3.9% 10 Renting of equipment 5,622 3.4% 11 Manufacture of fabricated metal products 5,565 3.3% 12 Power industry 4,566 2.7% 13 Rubber industry 4,522 2.7% 14 Chemicals and chemical goods production 4,428 2.7% 15 Sale, repair and maintenance of motor vehicles 3,387 2.0% 16 Information tehnology and related activities 3,171 1.9% 17 Wood and paper industry 3,135 1.9% 18 Post office and telecommunications 2,984 1.8% 19 Engineering industry 2,613 1.6% 20 Other 33,484 20.1% Total 166,180 100.0% Non-banking portfolio of corporate banking clients – balance sheet and off-balance sheet exposure (PLN million) Consolidated approach 30.09.2026 35
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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 4.9 million retail clients and 618 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 Q2 2026 • 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) • Long/short term deposit rating: A2/ P-1; outlook: Stable • Individual BCA Assessment: baa2 • Adjusted BCA Score: baa1 • Counterparty risk assessment long / short term: A 2 (cr) / P-1 (cr) Moody’s Fitch 37 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 Leasing Sp. z o.o. 100% ING Faktoring S.A. 100% Paymento Financial S.A. 100% ING TFI S.A. 100% ING Bank Śląski S.A. 45%55%
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C/WK 3.2x ING Bank Śląski S.A. shares ING BSK shares vs. WSE indices recalculated for comparability Shareholding structure other <5% 13.42% ING Bank NV 75.00% Allianz Polska OFE* 5.98% Nationale Nederlanden PTE** 5.60% *Based on the semi-annual asset structure of Allianz Polska OFE as at 30 June 2026. **Based on the semi-annual asset structure of Nationale Nederlanden OFE as at 30 June 2026. Market indicators (Q3 2026) 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 13.5x ING BSK share price PLN 470.0 as at 30 September 2026 Capitalisation PLN 61.1 billion EUR 14.0 billion Free float PLN 15.3 billion EUR 3.5 billion ISIN: PLBSK0000017 Bloomberg: ING PW Reuters: INGP.WA 38 0 50 100 150 200 250 300 350 400 250 300 350 400 450 500 550 Dec 25 Jan 26 Feb 26 Mar 26 Apr 26 May 26 Jun 26 Jul 26 Aug 26 Sep 26 Volume (thousand) Share price (PLN) Volume ING BSK WIG mWIG40 WIG-Banks +38%
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Wybrane inicjatywy 39 ING offers mortgages based on POLSTR As of September 28, ING Bank Śląski offers mortgage loans based on the new POLSTR 1M Compounded Rate benchmark. Customers can take out loans with either variable interest rates or periodically fixed interest rates. For variable-rate loans, the interest rate will consist of the POLSTR 1M Compounded Rate benchmark plus the bank's margin. ING also offers mortgages with a periodically fixed interest rate; in this case, the fixed rate applies for the first five years. BLIK phone transfer for companies at ING ING is the first bank in Poland to offer the full functionality of BLIK mobile transfers to a wide range of business customers. From now on, users of the ING Business mobile app can both send and receive transfers to their phone number. Funds are transferred to the recipient's account immediately, similar to Express Elixir transfers. This is another step in the development of modern payments for businesses. ING expands its investment offer with bond currency subfunds managed by ING TFI S.A. ING is expanding its investment offering with new currency-denominated sub-funds created by ING TFI. The bank’s clients can invest directly in euros and US dollars in two new bond funds: ING Universal Bonds (EUR) and ING Universal Bonds (USD). More information More information More information More information ING Bank Śląski to offer preferential loans to businesses ING Bank Śląski has become a financing partner for the "Loans for the Digital and Green Transformation of Enterprises" program. In cooperation with the Polish Agency for Enterprise Development, the bank provides financing to companies using funds from the European Funds for a Modern Economy 2021–2027 program. Companies can access financing with an annual interest rate of 0.5% for the entire duration of the loan. The offer is available to micro, small, medium, and large enterprises. Companies can obtain between PLN 2.5 million and PLN 15 million for investments supporting digital transformation and the implementation of circular economy solutions.
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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 2025 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 40 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 41 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 levy – 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 and ESG Reporting Bureau iza.rokicka@ing.pl ING Bank Śląski S.A. ul. Pulawska 2 02-566 Warsaw investor@ing.pl +48 887 611 162 42 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 27 April 22 April The date of record Payment day
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Investor Information www.ing.pl www.ing.pl 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.