Our ESG priorities for 2025-2027
Sustainability matters are permanently inscribed as one of the priorities in our business strategy. Such an approach derives directly from our mission and the values that guide us. We perceive the sustainability area also as an area for building a long-term competitive edge – both for ourselves and for our clients.
For the years 2025-2027, we have adopted 7 strategic priorities in the ESG area. They are the result of an extensive internal and external analysis, including, among others, an analysis of commitments made so far in the ESG area and market trends. The reference point for setting strategic priorities was also the analysis of double materiality and dialogue with stakeholders.
The five strategic priorities focus on two interconnected areas: environmental transformation (E) and equal opportunities and entrepreneurship (S). We have identified the next two as success factors and a strong foundation (G), enabling the implementation of the set ESG goals.
ESG strategic areas
Environmental transformation
Environmental transformation
Equal opportunities and entrepreneurship
Equal opportunities and entrepreneurship
Key metrics in the area "Environmental transformation"
- Provide financing at PLN 5 billion to renewable energy projects in 2024-2030 in the corporate segment.
- Every other zloty of mortgage granted between 2025 and 2027 will finance properties with energy demand of up to 76 kWh/m2/ year.
- Sales of ESG investment funds (Articles 8 and 9 of SFDR) in 2025-2027 at PLN 1.8 billion, including PLN 600 million for 2025.
- Priorities in terms of reducing negative impact on biodiversity to be set in 2025.
- By the end of 2030 80% of clients covered by the cross-sector transformation plan have decarbonization strategies understood as at least short- and medium-term decarbonization targets approved by the company’s management, along with identified initiatives to achieve them.
- Reduce the intensity of CO2/m2 emissions from own office buildings and rented office buildings at the end of 2027 by 51% compared to 2019 (market-based), including by the end of 2025 by 38% compared to 2019 (market-based).
Key metrics in the area "Equal opportunities and entrepreneurship"
- Increase in the number of customers with a pension product between 2025 and 2027 by 108,000, including 36,000 in 2025.
- Priorities in the area of fair transition and social impact to be set in 2025.
- Maintain the unadjusted Gender Pay Gap at 31% between 2025 and 2027, according to the new EBA methodology.
Factors of success
6. We co-create an ecosystem for sustainable development
Success factors
- 100% of leaders and 80% of employees of ING Bank Śląski Group have ESG targets as part of their annual targets for 2027 (including 100% of leaders and 60% of employees in 2025, and 100% of leaders and 70% of employees in 2026).
- PLN 2 million for the ING Grant Program annually between 2025 and 2027.
- Volunteer activities in the main programs of the ING for Children Foundation - ING volunteers will reach a minimum of 10,000 children in 2025
Our foundations
7. We build a stable and resilient bank based on a strong ESG foundation
We maintain strategic directions
- Continue to exit from financing coal mines, coal-fired power plants, coal-fired thermal power plants, coal-fired heating plants, and from financing clients who trade in coal (including coal used by households), as well as clients who provide services or sell products dedicated to coal mining or coal-fired power generation. Services or products that may also be provided to other sectors are not subject to this provision.
- After 2025, we will not finance clients whose business activity is directly dependent on thermal coal in more than 5%. As a rule, the degree of such dependence is measured by the level of revenues generated from thermal coal. It does not apply to revenue from the sale of products and provision of the so-called general purpose services which may be used in various sectors (e.g. security services or accounting services). In addition, in the case of companies operating in the electricity generation sector, we refer to the installed power generation capacity.
As part of the process of identifying ESG risks, we identified sectors and areas excluded from financing and subject to restrictions.
These are activities/areas which, in our opinion, are associated with, among other things, a particularly high risk of negative environmental impact and a high risk of negative social impact, such as:
- activities related to negative impact on protected areas,
- activities related to negative impacts on forestry (including but not limited to illegal logging or the clearing of forests with special natural values),
- activities related to negative impact on animal welfare. We require that animals are provided with adequate living, transport and slaughter conditions, that the five freedoms for animals are respected (freedom from hunger and thirst, freedom from fear and distress, freedom from physical- and thermal discomfort, freedom from pain and injury, and freedom to express normal behaviour),
- activities related to the cultivation, production and trade of tobacco and tobacco products. It does not apply to companies trading in tobacco, tobacco products or e-cigarettes as long as it is not their core business (e.g. FMCG companies, retail distribution of cigarettes, petrol stations, hotels, restaurants and cafes with vending machines) or to value chains (e.g. companies dealing with packaging and transport),
- controversial weapons: production, maintenance or trade of anti-personnel mines, cluster munitions, phosphorus bombs, depleted uranium munitions, as well as nuclear, chemical and biological weapons,
- fur farming and the manufacture and trade of and in fur products.
ESG management
Our ESG policies
Our commitments
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.
On this page we use graphics that show the UN Sustainable Development Goals. The graphics are from the official UN website.