The photo shows a crowd of people with raised hands. There are glowing spotlights in the background. In the top left corner, there is a sun with the slogan: “Together we can do more”.

Our Engagement

We act responsibly, therefore we provide our clients with convenient solutions and develop good banking practices. We listen to the voice of society and cooperate with our competitors.

 Our engagement on the public forum is multifaceted. In the years 2013 – 2014, we participated in the business-related works of many organisations. The most important one is the Polish Bank Association Supervisory Board and the following bodies operating within the Polish Bank Association:

  • Non-Cash Trading and Micropayments Coalition,
  • Financial Services Quality Committee of the Polish Bank Association,
  • Housing Finance Committee, Consumer Credit Committee, Depository Banks Council,
  • Non-Treasury Debt Securities Council.

The other bodies in the works of which we are involved encompass the National Clearing House, Credit Information Bureau, Polish Payments Standard, Banking Law Council and Bank Card Issuers Board.

 We co-create standards

In 2013, we joined PKO Bank Polski initiative. As part of the initiative, we developed common electronic payments standard together with four other banks and the National Clearing House. The usually competing banks use one mobile payments system as a result of this unique nationwide project.

Owing to this solution, clients were provided with a convenient access to mobile payments in many points of sale (in December 2014, there were 40 thousand POS, by the end of 2015 200 thousand is planned). Regardless of clients preferred bank, they may use this payment method is shops as well as transfer funds to telephone number of another person. At the same time, they do not need to provide sensitive data such as forename, surname, card number or validity date. For more about application go here (Polish content).

In turn, in 2014 a document “Best Practices in the Provision of Banking Services for Persons with Disabilities” was published thanks to our involvement in the works of the Task force for services for persons with disabilities acting as part of the Financial Services Quality Committee. For more about this document go here (Polish content).

We take the floor

The European Economic Congress is the biggest business meeting in Central Europe. We participate in the Congress since its very beginning. Since its second edition that is since 2010 we have been supporting it as one of the main sponsors. During three days of discussions, we share experience and knowledge with other participants – specialists and think-tankers from politics, business, education and economy, from Poland and Europe.

In 2013, our experts took the floor during the following discussion panels: “Investment financing in Central Europe”, “2nd Forum on Economic Cooperation: European Union – China”, “Investment in the energy sector in Poland”, “Local government finance reform”, “Construction sector in Poland”.

While in 2014, we participated in the following discussion panels: “Golden rule for public finance sector”, “Polish energy – facts and myths”, “Consolidation in the food and trade industry in Poland and the region”, “Construction. New perspectives, new strategies”, “E-commerce in economy”.

In the last years, we also took part in the Congress for Managers of the Supply Chain Management, 7th Economic Forum of Poznań Metropolis and Bank Client Identification Conference, among other events.

For more about the meetings addressed to entrepreneurs go to Empowering Businesses chapter.

We promote responsible business

We actively participate in meetings and rankings that aim at drawing attention of our community to the corporate social responsibility.

The presence in the Respect Index invariably since its creation in 2009 proves the highest standard of socially responsible operations. The requirements that should be met in order to be present in the index of socially responsible companies not only inspire us but also motivate us to grow.

Every year, we participate in the most prestigious rankings and listings from the CSR area. In 2013 and 2014, ING Bank Śląski S.A. was the only financial institution to be awarded with CSR Golden Leaf by the POLITYKA weekly. Moreover, we won the third and first places in the Socially Responsible Companies Ranking in the Banking, Financial and Insurance Sector category in 2013 and 2014, respectively. In 2014, the bank received a nomination for Nagroda Gospodarcza Prezydenta RP (Economic Award of the President of the Republic of Poland) in the Corporate Governance and Corporate Social Responsibility category. The bank was designated by the Marshal’s Office in Katowice. The judging panel of the competition selected 15 best companies out of the 121 nominated.

We submit regularly our initiatives to the Responsible Business Forum report “Responsible Business in Poland. Good Practices.” During the last two years, each time several our actions were published in this report.

In 2013, the very first Corporate Social Responsibility Report of ING Bank Śląski S.A. for the years 2011 – 2012 was published. The Report was awarded in the “Best Debut” category in the “Social Reports” competition organized by the Responsible Business Forum. Several months later, we also received the silver Pearl Awards 2014 in the Best Special Issue category in the New York paper and electronic publications targeting both external and internal clients contest.

In 2014, we participated in the 5th edition of CSR Fairs in Warsaw, visited by approximately 1000 people. During the fair, we took part in the discussion “Investments in local societies through social partners involvement” initiated by the Responsible Business Forum. During the discussion we developed recommendations for public administration, non-government organisations as well as the media.

Our bank employees participated also in the meeting of the Corporate Social Responsibility Council at the Board of Śląskie Voivodeship. Furthermore, during a debate organised by the Council of the Capital City of Warsaw they shared experience in involving their colleagues in the bank’s CSR strategy development.

During the Nationwide Social and Economic Forum organised by the Cracow City Council, we discussed the voluntary activity, social campaigns, corporate foundations, employee-oriented policy and ecology.

In 2014, we also took part in the initiative of Konfederacja Lewiatan „I choose e-invoice” (Polish content). The campaign promotes electronic invoices and draws attention to ecological effects of issuing paper ones.

We listen to voice of the society

We closely follow social trends and the changing needs of Poles. The ING Finance Barometer that diagnoses the consumer attitudes in various areas allows us to do this. The questions that we asked in the years 2013 – 2014 concerned, among others, savings, real estate purchase or mobile services use. The internet questionnaire was conducted by ING Group three times a year and covered 12 thousand respondents from several countries around the world. More about the results and the results' announcement conferences (Polish content).

Results of subsequent surveys indicate that Polish consumer is very cautious. Poles buy impulsively less often than other nations do. They also use the social media when taking well-thought-out decisions. Only approximately 50% of Poles have savings. Such a situation surely results from low income. Nevertheless, propensity for saving is higher in this group than in many other developing countries. We are also more aware bank clients – we are occupied by interest more than frugal Germans and affluent Belgians are. Average Pole indicates high propensity for changing place of living in order to improve his/her professional situation. We may suppose that the insufficient number of flats for rent constitutes a bigger barrier to employees’ mobility than their attitudes.

Rafał Benecki
Chief Economist

We report

In the last two years, we continued to publish the report on the Polish electric power, compiled in cooperation with PwC. The 2013 edition constitutes a commentary to the 2011 report. It depicts how the main thesis of the report on the need to invest in the energy sector did not find practical followers. The authors showed that absence of indispensable regulations resulted in suspending a number of investment projects. They also asked about the impact of European legislation as a factor evoking uncertainty in the investment decision process. Other issues discussed by experts cover, among others, construction of gas plants and the disappointment on the market of renewable resources.

In 2014, we issued another report on the said area. Its authors contrasted five myths of the energy sector, among others, with the statement that the free market created healthy fundaments for development of energy generation and that clients did not took advantage of market freeing.

In the subsequent years, we published also reports on the food, construction, gas, transport and logistics markets.