ING Bank Slaski Ratios and Metrics

Market cap in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 20, 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
Market Capitalization	53,926	44,429	31,419	33,306	21,440	34,737
Market Cap Growth	45.44%	41.41%	-5.66%	55.34%	-38.28%	56.14%
Last Close Price	414.50	341.50	223.40	214.12	137.84	218.22
PE Ratio	11.64	9.59	7.19	7.50	12.51	15.05
PS Ratio	4.90	4.04	3.05	3.32	3.22	5.35
PB Ratio	2.53	2.08	1.83	1.99	2.29	2.57
Debt / Equity Ratio	0.94	0.94	1.10	0.97	1.01	0.74
Net Debt / Equity Ratio	0.49	0.49	0.50	-0.38	0.17	0.53
Net Debt / FCF Ratio	-	-	-	0.42	-0.08	-0.37
Return on Equity (ROE)	24.06%	24.06%	25.77%	34.06%	14.99%	14.36%
Return on Assets (ROA)	1.71%	1.71%	1.73%	1.92%	0.82%	1.19%
Earnings Yield	8.59%	10.43%	13.91%	13.33%	8.00%	6.64%
FCF Yield	-	-	-	-45.12%	-88.29%	-55.37%
Dividend Yield	6.07%	-	11.27%	15.57%	-	2.43%
Payout Ratio	-	-	-	-	40.22%	28.74%
Buyback Yield / Dilution	0.03%	0.03%	-0.02%	-0.01%	-	-
Total Shareholder Return	6.11%	0.03%	11.25%	15.56%	-	2.43%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.