Case Study: ING Bank Śląski achieves 90% automated loan approvals and 30% faster time-to-cash with IBM

Advanced analytics help bank provide personalized loan offers even while automating its loan-approval process

ING Bank Śląski, a Katowice-based retail and wholesale bank in the ING Group, needed a more responsive, multichannel loan-application system to speed time to market for products and reduce time to cash for customers. IBM provided a solution built on IBM Operational Decision Manager and IBM Power 720/730 AIX Solution Editions, supported by IBM Global Business Services and IBM Global Technology Services to modernize the bank’s credit processes.

IBM implemented a rules-based, near-real-time loan-application platform that personalizes offers, simulates new product requirements and automates decisioning. The IBM solution now automates 90% of loan decisions, processes more than 100,000 applications monthly, reduces time to cash by 30%, increases applied-for versus granted loan value by 20%, and delivers full auditability and traceability—boosting customer satisfaction and revenue.

ING Bank Śląski

Mirosław Forystek

Chief Information Officer