ING Bank Slaski (ING) Strategy Update summary

Strategic Vision, Market Position, and Growth Targets

• Aims to reach over 7.5 million clients by 2035, with significant growth in retail, private banking, and corporate segments.

• Plans to double market share in investment, pension, and consumer finance products to 12%+ and 8%+ respectively.

• Seeks to double deposit balances and corporate loan volumes, with over 2x growth in mortgages and retail/corporate deposits.

• Ranks third in Poland for net deposits and loans, serving 4.7M retail and 589K corporate clients as of Q3 2025.

• Maintains superior profitability, high valuation multiples, and is recognized as a market leader in customer satisfaction.

Customer Experience, Digital Transformation, and Innovation

• Focuses on delivering top-quality, personalized digital experiences, aiming for the best mobile app and highest NPS scores.

• Expands integrated digital platforms, introduces subscription models, and automates up to 95% of processes using AI and GenAI.

• Pioneers digital banking, mobile apps, and payment solutions, with plans for conversational interfaces and advanced personalization.

• Commits to fully digital, automated mortgage and consumer lending processes.

• Modernizes core banking systems, migrates to public cloud, and enhances data analytics and cybersecurity.

ESG, Sustainability, and Social Responsibility

• Commits PLN 5 billion to renewable energy investments by 2030 and targets >50% of mortgages in energy-efficient buildings.

• Plans for <5% coal dependence in financed clients after 2025 and aligns defense-related financing with ESG principles.

• All leaders and >80% of employees to have ESG KPIs by 2027, supporting robust governance and social initiatives.

• Responds to demographic shifts with pension offers, financial education, and support for generational wealth transfer.

• Addresses housing and lifestyle changes, supporting new entrepreneurs and adapting to an aging society.