Our strategy for the coming years

We know that our decisions and actions today determine what the world will look like and what reality the next generations will find. Therefore, guided by our principles and values, we want to respond to the challenges of the modern world.

Details of our strategy

Why it's important to us

As a bank, we conduct business ethically, responsibly and with the environment in mind. This results from our values and the Orange Code. We believe that in the long run, only such organizations have a chance to maintain customer trust, long-term business and success.

Therefore, we have developed the ESG Strategy - Environmental, Social and Corporate Governance for the years 2022 - 2024. The ESG strategy is part of the business strategy and one of our priorities. Broadly understood environmental topics have for a long time occupied an important place in our bank's strategy, and their role is growing in importance every year.

Until now, we have used the term sustainable development strategy. Now we are going to use the term ESG Strategy. The motivation for change for us is a sense of responsibility for our actions in reference to current and future customers, for the world in which they will operate.

We act in accordance with the provisions of the Environmental Declaration and ESG Strategy. We support pro-environmental activities and support our clients in ESG transformation.

We support you in being entrepreneurial and help you manage your finances. We pay attention to social inequality. We care about the health of employees.

We operate ethically based on values, principles, processes. We implement regulations and market best practices.

What we are doing in a given area

E - Environment

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We act with the environment in mind

In 2021, we announced the Green Statement and we have been consistently implementing our promises. In the bank's new Environmental Declaration we undertake i.a. to achieve climate neutrality by 2030.

We focus on environmental education

According to the latest IPCC report, unless immediate, rapid actions are taken, resulting in large-scale reductions in greenhouse gas emissions, limiting warming to the level close to 1.5°C- 2°C will be impossible.

We are creating a world for future generations

We realize that any negligence of ours will have consequences in the future. We want future generations to be able to enjoy all the benefits of the world and not have to fix the world we left them.

As a large organization, we can do more

We can do more by supporting and educating our customers, allocating capital, and realistically creating and financing solutions that support sustainable development.

Therefore, we are maintaining the course we have set for environmental protection. We act, check the effectiveness of these activities, and support the activities of our customers and partners.

S - Entrepreneurship

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We support entrepreneurship and help manage finances.

We understand being entrepreneurial as:

resourcefulness in life and business
using opportunities
continuous development
ability to adapt to the situation

It is the ability to make financial decisions responsibly with understanding their consequences. It is also the ability to successfully run your own business, small or large. We write about business in simple terms on Firmove.

We educate our customers about the economic situation.

We want everyone to have equal opportunities to use our services

We are committed to making our products and services accessible, according to the needs of our customers. We do not agree for any restriction to be an obstacle to the use of our services.

We promote healthy lifestyles and take care of the health of our employees

We promote diversity and an inclusive work style. We say no to all discrimination. We create a work environment in which we take care of the wellbeing of employees (health, energy, activity and finances). Learn about our values.

G - Ethics and regulations

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There are a number of regulations that we use

The year 2021 has brought a number of guidelines and regulations that have already become applicable or will become applicable soon and which we are preparing to implement, including:

The Taxonomy Regulation
The Climate Delegated Act
EBA Guidelines on loan origination and monitoring (applicable from June 2021)
The EBA Report on management and supervision of ESG risks for credit institutions and investment firms
The ECB Guide on climate related and environmental risks - Supervisory expectations relating to risk management and disclosure.

Become familiar with our ESG policies

We want our customers to bank safely

We are implementing new solutions that ensure the security of data and money. We educate our customers on internet security.

We are building ESG awareness and culture

We are building ESG awareness among our employees and customers. We collaborate with the market in the area of ESG

We include ESG in:

the bank strategy
the organisational structure
product design processes
risk management
the purchasing policy
corporate governance.

ESG management

In 2022, the Board of ING Bank Śląski established two committees in the bank's organizational structure: ESG Council and ESG Risk Committee.

Our ESG policies

Our commitments

We are continuing our efforts to reduce our own carbon footprint and introduce a new portfolio carbon footprint reduction plan, a core element of which is active dialogue with selected customers. We focuse on working with companies in the most carbon-intensive sectors.

Learn about another initiative seeking to reduce emissions

In the document we present decarbonization initiatives and progress to date on the path to reducing greenhouse gas emissions. We also specify the plan to support customers in their sustainable transformation.

Learn about the directions of our activities

At the ING Bank Śląski S.A. Capital Group, we treat respect for human rights as a fundamental, universal principle, reflected in various dimensions of our activities.

Read our declaration

In 2021, we announced the Environmental Declaration, which gave our pro-environmental activities a new rhythm and momentum. Only by working together can we improve the quality of life and care for the common good - the natural environment.

See declaration

We support the UN Sustainable Development Goals

The Sustainable Development Goals (SDGs) are the answer to the most important challenges of our time. They take into account the environmental, social and economic aspects. They were enacted in 2015 at a summit in New York and focus around five areas: people, the planet, prosperity, peace, partnership. Our activities support the implementation of selected Goals.