ING Bank Slaski S.A. (WSE:ING)

Poland · Delayed Price · Currency is PLN

454.20

+1.40 (0.31%)

Nov 3, 2026, 4:59 PM CET

ING Bank Slaski Financials Overview

Financials in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	12,010	11,023	10,302	10,035	6,667	6,495
Revenue Growth	10.23%	7.00%	2.66%	50.53%	2.64%	26.37%
Net Income	4,521	4,633	4,369	4,441	1,714	2,308
Earnings Per Share	34.72	35.59	33.57	34.13	13.18	17.74
EPS Growth	-1.10%	6.00%	-1.64%	159.00%	-25.73%	72.57%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Retail Banking	5,749	5,172	4,872	4,326	1,969	3,141
Corporate Banking	6,261	5,851	5,430	5,709	4,698	3,354
Total	12,010	11,023	10,302	10,035	6,667	6,495

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	37,949	9,722	10,369	22,618	7,871	2,786
Total Debt	29,902	19,188	17,559	16,293	9,444	9,991
Net Cash (Debt)	8,047	-9,466	-7,190	6,326	-1,573	-7,205
Net Cash Growth	-27.61%	-	-	-	-	-
Net Cash Per Share	61.80	-72.71	-55.25	48.61	-12.09	-55.38

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	899	-14,097	-15,018	-14,871	-18,781	-19,146
Capital Expenditures	-197	-99	-127	-155.6	-150.1	-87
Free Cash Flow	702	-14,196	-15,145	-15,026	-18,931	-19,233
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	37.64%	42.03%	42.41%	44.26%	25.72%	35.54%
FCF Margin	5.85%	-128.78%	-147.01%	-149.74%	-283.97%	-296.12%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	26.710	26.710	25.180	33.350	-	5.300
Dividend Per Share Growth	6.08%	6.08%	-24.50%	-	-	3.92%
Dividend Yield	5.88%	7.82%	10.43%	13.03%	-	1.98%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	13.08	9.59	7.19	7.50	12.51	15.05
Forward PE	12.55	10.59	7.04	9.08	7.00	15.43
PS Ratio	4.91	4.03	3.05	3.32	3.22	5.35