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ING Bank Slaski S.A. (ING.WA)
Katowice, PL
ING Bank Slaski S.A., along with its affiliated companies, offers a broad spectrum of banking solutions and services across Poland. Its operations are structured into two distinct divisions: Retail Banking and Corporate Banking. The Retail Banking segment caters to individual customers, providing a variety of lending options such as overdrafts, card-linked loans, installment credit, and home mortgages. It also manages diverse deposit accounts, including current, term, and savings accounts, in addition to offering structured investment products, units in ING funds, brokerage facilities, and bank cards. For businesses, including institutional clients and individual entrepreneurs, the Corporate Banking segment supplies various deposit products like current, fixed-term, negotiated, and savings accounts. It also extends both working capital and investment loans, alongside providing financial market instruments, trust services, and capital market transaction capabilities. Beyond its primary banking functions, the bank is engaged in the management and leasing of real estate assets, and delivers financial advisory and intermediary services. Furthermore, its service portfolio encompasses leasing and factoring solutions, accountancy and payroll administration, educational programs and promotional activities for the financial market (including TURBO certificates), and even holiday and training courses. The institution operates through a network of 312 branches. Founded in 1989, its main corporate office is situated in Katowice, Poland. ING Bank Slaski S.A. operates as a subsidiary of ING Bank NV.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.36% | +0.21% | -14.34% | -7.02% | +18.42% | +11.47% | +24.87% | +130.53% | +123.91% | +230.17% | +477.19% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 4 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+10.4% Q1'26: +5.5% (vs Q1'25)
-
EPS growth+6.0% Q1'26: -18.7% (vs Q1'25)
-
FCF margin— Q1'26: -297.4% (vs Q1'25)
-
EBIT margin— Q1'26: +31.2% (vs Q1'25)
-
ROIC— Q1'26: +7.3% (vs Q1'25)
-
Share dilution+0.0% Q1'26: 0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 5.80× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 2 EPS Ana. |
Dec 2027 6 Rev. Ana. 4 EPS Ana. |
Dec 2028 3 Rev. Ana. 4 EPS Ana. |
Dec 2029 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
4.92B
est: 3.79B (+29.7%)
|
5.28B
est: 4.25B (+24.2%)
|
5.62B
est: 4.75B (+18.4%)
|
6.15B
est: 5.22B (+18.0%)
|
6.80B
est: 5.81B (+17.1%)
|
6.94B
est: 6.13B (+13.2%)
|
7.34B
est: 6.87B (+6.9%)
|
10.21B
est: 8.41B (+21.3%)
|
14.87B
est: 10.17B (+46.2%)
|
15.64B
est: 11.25B (+39.0%)
|
17.27B
est: 11.75B (+46.9%)
|
12.30B
11.83B – 13.05B
+4.7% YoY
|
13.28B
12.28B – 14.85B
+8.0% YoY
|
14.06B
13.94B – 14.18B
+5.9% YoY
|
14.41B
13.85B – 15.29B
+2.5% YoY
|
| EBITDA |
1.58B
est: 1.38B (+14.9%)
|
1.86B
est: 1.54B (+20.3%)
|
2.06B
est: 1.72B (+19.8%)
|
2.22B
est: 1.89B (+17.5%)
|
2.53B
est: 2.11B (+20.4%)
|
2.21B
est: 2.22B (-0.7%)
|
3.30B
est: 2.49B (+32.6%)
|
2.68B
est: 3.05B (-12.1%)
|
6.05B
est: 3.73B (+61.9%)
|
5.89B
est: 4.13B (+42.5%)
|
5.88B
est: 4.32B (+36.2%)
|
4.52B
4.34B – 4.79B
+4.7% YoY
|
4.88B
4.51B – 5.45B
+8.0% YoY
|
5.16B
5.12B – 5.21B
+5.9% YoY
|
5.29B
5.09B – 5.61B
+2.5% YoY
|
| EBIT |
1.39B
est: 1.26B (+10.4%)
|
1.64B
est: 1.41B (+16.4%)
|
1.88B
est: 1.58B (+19.3%)
|
2.03B
est: 1.73B (+17.2%)
|
2.26B
est: 1.93B (+17.1%)
|
1.91B
est: 2.04B (-6.1%)
|
3.02B
est: 2.28B (+32.2%)
|
2.40B
est: 2.79B (-14.0%)
|
5.72B
est: 3.51B (+63.0%)
|
5.55B
est: 3.88B (+42.8%)
|
5.88B
est: 4.06B (+44.9%)
|
4.25B
4.08B – 4.51B
+4.7% YoY
|
4.58B
4.24B – 5.13B
+8.0% YoY
|
4.85B
4.81B – 4.90B
+5.9% YoY
|
4.97B
4.78B – 5.28B
+2.5% YoY
|
| Net Income |
1.13B
est: 1.12B (+0.6%)
|
1.25B
est: 1.24B (+0.9%)
|
1.40B
est: 1.43B (-1.5%)
|
1.52B
est: 1.48B (+2.8%)
|
1.66B
est: 1.68B (-1.4%)
|
1.34B
est: 1.39B (-4.0%)
|
2.31B
est: 2.27B (+1.8%)
|
1.71B
est: 2.21B (-22.3%)
|
4.44B
est: 4.39B (+1.1%)
|
4.37B
est: 4.24B (+3.1%)
|
4.63B
est: 4.44B (+4.3%)
|
3.99B
3.79B – 4.31B
-10.2% YoY
|
4.38B
4.38B – 5.26B
+9.7% YoY
|
5.01B
4.89B – 5.62B
+14.3% YoY
|
5.12B
4.86B – 5.52B
+2.2% YoY
|
| SGA |
493.10M
est: 123.07M (+300.7%)
|
466.90M
est: 138.03M (+238.3%)
|
395.90M
est: 154.17M (+156.8%)
|
419.10M
est: 169.36M (+147.5%)
|
226.10M
est: 188.43M (+20.0%)
|
248.60M
est: 198.87M (+25.0%)
|
284.40M
est: 222.85M (+27.6%)
|
307.70M
est: 273.01M (+12.7%)
|
391.00M
est: 524.88M (-25.5%)
|
489.00M
est: 580.55M (-15.8%)
|
2.27B
est: 606.70M (+274.7%)
|
634.95M
610.40M – 673.77M
+4.7% YoY
|
685.43M
634.07M – 766.64M
+8.0% YoY
|
725.65M
719.33M – 731.97M
+5.9% YoY
|
743.56M
714.81M – 789.02M
+2.5% YoY
|
| EPS |
8.66
est: 8.61 (+0.6%)
|
9.63
est: 9.54 (+0.9%)
|
10.78
est: 10.95 (-1.6%)
|
11.73
est: 11.39 (+3.0%)
|
12.75
est: 12.93 (-1.4%)
|
10.28
est: 10.71 (-4.0%)
|
17.74
est: 17.42 (+1.8%)
|
13.18
est: 16.95 (-22.3%)
|
34.13
est: 33.74 (+1.1%)
|
33.57
est: 32.09 (+4.6%)
|
35.59
est: 34.68 (+2.6%)
|
30.65
29.11 – 33.09
-11.6% YoY
|
35.93
33.61 – 40.38
+17.2% YoY
|
39.29
37.55 – 43.18
+9.3% YoY
|
39.30
37.32 – 42.42
+0.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B | 3/5 | 3/5 | 5/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-08 | B | 3/5 | 3/5 | 5/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-07 | B | 3/5 | 3/5 | 5/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-06 | B | 3/5 | 3/5 | 5/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-05 | B | 3/5 | 3/5 | 5/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-04 | B | 3/5 | 3/5 | 5/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-29 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-28 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-27 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-24 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-23 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares STOXX Europe Small 200 UCITS ETF (DE) EXSE.DE | 0.54% | 3.70M | 0.20% |
| 2 | FlexShares International Quality Dividend Dynamic Index Fund IQDY | 0.22% | 238.3K | 0.51% |
| 3 | iShares STOXX Europe 600 Banks UCITS ETF (DE) EXV1.DE | 0.17% | 6.81M | 0.46% |
| 4 | Dimensional - Emerging Markets High Profitability ETF DEHP | 0.09% | 400.6K | 0.44% |
| 5 | Franklin International Core Dividend Tilt Index ETF DIVI | 0.06% | 1.47M | 0.09% |
| 6 | Dimensional Emerging Markets Sustainability Core 1 ETF DFSE | 0.04% | 232.1K | 0.44% |
| 7 | Dimensional - Emerging Markets ex China Core Equity ETF DEXC | 0.03% | 106.5K | 0.56% |
| 8 | FlexShares International Quality Dividend Index Fund IQDF | 0.03% | 365.2K | 0.49% |
| 9 | JPMorgan BetaBuilders Europe ETF BBEU | 0.03% | 2.73M | 0.09% |
| 10 | Amundi STOXX Europe 600 ESG ETF EUR C AME6.DE | 0.03% | 561.2K | 0.18% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Michal Boleslawski | President of the Management Board | 2M | male |
| Marcin Gizycki | Head of Private Individuals & Vice President of the Management Board | 2M | male |
| Bozena Graczyk | Vice President of the Management Board & Chief Financial Officer | 2M | female |
| Joanna Erdman | Vice President of the Management Board & Chief Risk Officer | 2M | female |
| Agnieszka Wolska | Head of Wholesale Banking & Vice President of Management Board | 2M | female |
| Alicja Zyla | Chief Operating Officer & Vice President of management Board | 2M | female |
| Marcin Koscinski | Head of Business Banking & Vice-President of the Management Board | 1M | male |
| Maciej Ogorkiewicz | Chief Information Officer & Vice-President of the Management Board | 987.0K | male |
| Wojciech Sienczyk | Head of Private Banking and Investment & Management Board Vice President | — | male |
| Daniel Szewieczek | Executive Director | — | male |
| Iza Rokicka | Director of the Investors Relations, ESG Reporting & Market Research Bureau | — | female |
| Jolanta Alvarado Rodriguez | Director of Accounting Department & Chief Accountant | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for ING.WA
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
