1. Poland Stocks

  2. •

    Finance

  3. •

    Regional banks
ING Bank Slaski S.A.

ING Bank Slaski S.A.

443.00
PLN
-14.60
(-3.19%)
58.02BMarket Cap
Oct 29Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
25.05
26.93
28.88
33.14
36.71
40.27
44.66
47.91
52.85
59.24
81.71
86.47
90.81
- -
Basic EPS, GAAP
7.39
8
8.66
9.63
10.78
11.71
12.75
10.28
17.74
13.18
34.13
33.57
35.59
- -
Free Cash Flow per Basic Share
22.36
-8.57
-0.54
-3.95
41.58
-22.5
-3.57
148.18
2.41
20.65
-20.64
-4.24
7.29
- -
Dividend per Share
- -
4.4
4
4.3
- -
3.2
3.5
- -
5.1
5.3
- -
33.34
25.16
- -
Book Value per Share
66.31
80.35
82.07
80.51
88.66
102.4
117.01
143.11
104.01
71.81
128.69
131.98
164.04
151.26
Tangible Book Value per Share
63.49
77.45
78.85
77.24
85.34
99.02
113.71
139.83
101.11
68.62
124.9
128.46
159.81
142.14
Basic Weighted Avg Shares
130
130
130
130
130
130
130
130
130
130
130
130
130
130
Sales/Revenue/Turnover
3,259
3,503
3,757
4,311
4,775
5,240
5,810
6,233
6,876
7,708
10,632
11,253
11,822
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
164
175
189
211
182
194
277
294
286
279
327
340
322
- -
Net Income, GAAP
962
1,041
1,127
1,253
1,403
1,524
1,659
1,338
2,308
1,714
4,441
4,369
4,633
- -
Effective Tax Rate (%)
19.4
22.75
18.93
23.8
25.45
24.97
26.53
30.03
23.45
28.66
22.36
21.21
21.83
- -
Profit Margin (%)
29.5
29.71
30
29.06
29.38
29.08
28.55
21.46
33.57
22.24
41.77
38.83
39.19
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
3,147
867
2,863
4,555
927
1,377
2,531
4,836
6,790
2,049
14,949
16,272
18,218
19,622
Total Equity
8,629
10,457
10,681
10,477
11,534
13,322
15,223
18,618
13,531
9,343
16,736
17,170
21,342
19,679
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.39
9.01
9.06
8.77
10.21
11.22
10.22
6.49
10.55
10.81
20.62
13.42
12.69
- -
Return on Common Equity (%)
11.47
10.91
10.67
11.85
12.75
12.26
11.62
7.91
14.36
14.99
34.06
25.77
24.06
- -

Capital Structure

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
130
130
130
Market Capitalization
44,429
52,821
58,025

Working Capital

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
9,130
10,795
13,438
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

PLN

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.8%
9.55%
24.3%
Free Cash Flow
-490.78%
21.14%
-271.92%
Net Income, GAAP
23.15%
42.06%
6.04%
Sales/Revenue/Turnover
12.46%
14.25%
5.06%
Total Cash Common Dividend
- -
- -
-24.5%

Quarterly Revenue

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,753
2,695
2,909
2,894
11,253
2025
2,910
2,909
- -
3,057
11,822
2026
3,036
3,228
- -
- -
- -

Quarterly Earnings Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.63
7.41
8.47
10.06
33.57
2025
7.79
8.72
- -
10.55
35.59
2026
6.32
9.16
- -
- -
- -

Quarterly Dividends Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
33.34
2025
- -
- -
- -
- -
25.16
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Michal Jerzy Boleslawski
Full Time Employees
7,646
Sector
Finance
Industry
Regional banks
Address
Sokolska Str. 34 Katowice SL Poland 40-086
IPO Date
Jan 25, 1994
Website
ing.pl
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Business
ING Bank Slaski S.A. (ING.WA) operates as a universal commercial bank in Poland, providing a comprehensive range of banking products and services to retail and corporate clients through its Retail Banking and Corporate Banking segments; core offerings include personal and business deposit accounts, cash loans, mortgages, business lines of credit, invoice financing, leasing, factoring, investment loans, business loans, trade finance, guarantees, long-term financing, commercial real estate financing, reverse factoring, credit and debit cards, investment and savings products, insurance, payments, transfers, financial management, currency exchange, financial risk management, trust services, and mobile and internet banking. Founded in 1989 and headquartered in Katowice, the bank serves over 4.6 million retail clients and 575,000 corporate clients primarily in Poland via 167 branches, over 5,300 ATMs, and digital channels; it is a subsidiary of ING Bank N.V., which holds a majority stake, and includes subsidiaries such as ING ABL Polska SA, ING Commercial Finance Polska SA, ING Lease (Polska) Sp. z o.o., ING Usługi dla Biznesu SA, and ING Bank Hipoteczny for specialized mortgage services. In recent developments, ING Bank Slaski signed a preliminary agreement in 2025 to acquire the remaining 55% stake in Goldman Sachs TFI from Goldman Sachs Asset Management for approximately PLN 396 million, achieving full ownership of the Polish asset manager with PLN 48 billion in assets under management and enhancing its investment and retirement product offerings, with completion expected in the first half of 2026 subject to regulatory approvals.