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

ING Bank Slaski Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	15,814	7,310	8,361	998.1	1,623	876.7
Investment Securities	101,826	66,185	59,685	76,549	53,250	46,424
Trading Asset Securities	2,339	1,988	1,501	1,866	1,612	1,259
Total Investments	104,165	68,173	61,186	78,415	54,862	47,683
Gross Loans	197,583	209,693	188,312	162,210	160,031	150,621
Allowance for Loan Losses	-4,437	-4,154	-	-3,508	-3,269	-3,114
Other Adjustments to Gross Loans	-	-1,276	-	-1,626	-1,475	-669.5
Net Loans	193,146	204,263	188,312	157,076	155,287	146,838
Property, Plant & Equipment	994	938	1,011	1,002	950	831.2
Goodwill	-	223	223	223.3	223.3	223.3
Other Intangible Assets	1,211	328	234	270.8	193.9	154.1
Accrued Interest Receivable	-	-	-	48.7	55.6	95
Other Receivables	19	12	14	3.2	574.2	757
Restricted Cash	-	-	-	5,969	1,405	500.9
Other Current Assets	-	-	-	54.4	49.7	46.7
Long-Term Deferred Tax Assets	941	621	690	1,097	1,829	1,245
Other Long-Term Assets	5,306	157	328	203.7	214.3	2,403
Total Assets	321,596	282,025	260,359	245,361	217,266	201,654

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	1,092	8	7	854	688.7	639.4
Interest Bearing Deposits	161,756	133,278	126,441	115,158	110,801	89,211
Non-Interest Bearing Deposits	105,726	101,178	92,804	90,426	81,826	85,086
Total Deposits	267,482	234,456	219,245	205,584	192,628	174,296
Short-Term Borrowings	9,982	77	83	1,341	1,972	3,176
Current Portion of Long-Term Debt	-	-	-	404.4	-	575.6
Current Income Taxes Payable	423	924	16	114.8	19.9	3.9
Other Current Liabilities	919	1,852	2,216	1,646	1,375	1,271
Long-Term Debt	19,409	18,614	16,947	14,063	7,049	5,904
Long-Term Leases	511	497	529	484.2	422.9	335.6
Pension & Post-Retirement Benefits	130	114	97	402.5	337.3	324.4
Long-Term Deferred Tax Liabilities	-	-	1	-	0.4	-
Other Long-Term Liabilities	2,658	4,141	4,048	3,732	3,429	1,597
Total Liabilities	302,606	260,683	243,189	228,625	207,922	188,123

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	130	130	130	130.1	130.1	130.1
Additional Paid-In Capital	956	956	956	956.3	956.3	956.3
Retained Earnings	21,824	6,186	5,956	5,979	3,244	4,345
Treasury Stock	-	-9	-	-5.3	-	-
Comprehensive Income & Other	-3,920	14,079	10,128	9,676	5,014	8,100
Total Common Equity	18,990	21,342	17,170	16,736	9,344	13,531
Shareholders' Equity	18,990	21,342	17,170	16,736	9,344	13,531
Total Liabilities & Equity	321,596	282,025	260,359	245,361	217,266	201,654

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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
Filing Date Shares Outstanding	130.1	130.1	130.1	130.1	130.1	130.1
Total Common Shares Outstanding	130.1	130.1	130.1	130.1	130.1	130.1
Book Value Per Share	145.96	164.04	131.98	128.64	71.82	104.01
Tangible Book Value	17,779	20,791	16,713	16,242	8,927	13,154
Tangible Book Value Per Share	136.66	159.81	128.46	124.84	68.62	101.11

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 3, 2026

Data Sources Report a data error