Financial services: approx. 70%
Real estate financing: approx. 20%
Insurance: approx. 10%

TOP 3 Markets:

1. Poland: approx. 85%
2. Germany: approx. 10%
3. Czech Republic: approx. 5%

ING Bank Slaski S.A. generates the majority of its revenues from financial services, mainly including loans and bank accounts. Real estate financing and insurance products also contribute significantly to the revenue.

The Polish market is the dominant market for the bank, attributed to its strong local presence and customer base. Germany and the Czech Republic are important foreign markets served through strategic partnerships and expansions.

Production: No physical production

ING Bank Slaski S.A. is a financial institution and does not produce physical products. As a bank, it offers financial services such as account management, loans, mortgages, and investment products. The services are mainly provided in Poland, as the bank is headquartered and operates there.

The bank invests in digital platforms and technologies to make its services more efficient and customer-friendly. This includes the development of online banking services and mobile applications, which are developed by internal teams and external IT partners.

Digital Banking Strategy: Expansion and improvement of digital platforms (2025)

Sustainability Goals: Reduce CO2 footprint by 30% by 2030

Customer Satisfaction: Increase customer satisfaction rate by 10% in the next two years

ING Bank Slaski S.A. is increasingly focusing on the digitization of its services to enhance customer experience and increase efficiency. The bank is investing in modern technologies to provide its customers with a seamless and user-friendly digital platform. This includes both mobile applications and online banking services.

Another key focus is on sustainability. The bank has set ambitious goals to reduce its CO2 footprint and offer sustainable financial products. These measures are intended not only to contribute to environmental friendliness but also to strengthen the bank's image as a responsible financial institution.

Furthermore, ING Bank Slaski S.A. places great emphasis on increasing customer satisfaction. Through personalized services and an improved customer service experience, the bank aims to enhance customer loyalty and attract new customers.

Main Imported Raw Materials/Items: Financial services, IT infrastructure

Countries of Origin: USA, Germany, China

ING Bank Slaski S.A., as one of the leading banks in Poland, does not import physical raw materials in the traditional sense. Instead, the bank focuses on importing services and technologies necessary for the operation and advancement of its financial services.

The bank sources IT infrastructure, software solutions, and technological services mainly from the USA and Germany, where leading providers of financial technologies are based. Additionally, China plays a role as a supplier of hardware components and IT devices required for the bank's operations.

These imports are crucial to ensure the efficiency and security of banking services and to keep pace with the latest technological developments.

Market share: 8.5% (2024, estimated)
Return on equity: 12.4% (2024)
Customer satisfaction: 85% (2023, survey)

ING Bank Slaski S.A. has a solid competitive advantage in Poland, which is manifested through several factors. The market share of approximately 8.5% indicates that the bank has a significant presence in the Polish banking sector. This is supported by a strong brand perception and an extensive branch network.

The return on equity of 12.4% suggests efficient use of resources, strengthening the company's profitability. Furthermore, a high customer satisfaction rate of 85% helps the bank retain customers in the long term, which is a key competitive advantage.

Additionally, the bank continuously invests in digital technologies to enhance its services and meet changing customer needs. This willingness to innovate helps ING Bank Slaski stand out from competitors and gain new market shares.

Institutional Investor Share: Approximately 60% (estimated 2025)

Insider Buys/Sells: No significant transactions reported in 2025

The institutional investor share in ING Bank Slaski S.A. is estimated to be around 60%. This demonstrates the confidence of institutional investors in the stability and growth potential of the bank.

In 2025, no significant insider buys or sells were reported, indicating a stable assessment of the company's value by management and other insiders. Such transactions are often seen as indicators of the company's future performance, making the absence of significant movements noteworthy.

Market share of ING Bank Slaski S.A.: 8% (2025, estimated)

Top competitors and their market shares:

1. PKO Bank Polski: 18%
2. Bank Pekao: 12%
3. Santander Bank Polska: 10%
4. mBank: 9%
5. ING Bank Slaski S.A.: 8%
6. BNP Paribas Bank Polska: 7%
7. Alior Bank: 6%
8. Millennium Bank: 5%

Moat of ING Bank Slaski S.A.:

ING Bank Slaski S.A. has a moderate moat, mainly characterized by a strong brand, a solid customer base, and innovative digital banking solutions. The bank has heavily invested in technology in recent years to expand its customer base and enhance customer satisfaction.

Compared to competitors, PKO Bank Polski has the strongest moat, driven by its market leadership, extensive branch network, and strong capital base. Bank Pekao and Santander Bank Polska follow with significant advantages as well, reinforced by their international presence and wide range of products.

ING Bank Slaski S.A. needs to continue investing in technology and customer experience to deepen its moat and compete with larger banks. A focus on digital innovations could provide a significant advantage in the long term, especially in an increasingly digital banking environment.

Return on Equity (ROE): 12.5% (2024) Return on Assets (ROA): 1.2% (2024) Tier 1 Capital Ratio: 15.8% (2024)

ING Bank Slaski S.A. demonstrates a solid return on equity of 12.5%, indicating efficient use of equity to generate profits. A return on assets of 1.2% suggests that the bank effectively utilizes its assets to generate income.

The Tier 1 capital ratio of 15.8% exceeds regulatory requirements significantly, indicating a strong capital base and financial stability. This is particularly important in the banking industry as it demonstrates the bank's ability to absorb financial shocks.

In summary, ING Bank Slaski S.A. could be an attractive investment opportunity due to its solid financial indicators and strong capitalization. However, potential investors should also consider macroeconomic factors and industry-specific risks.

Dividend Yield: 4.5% (estimated for 2025)
Payout Ratio: 50% (estimated for 2025)

ING Bank Slaski S.A. has regularly paid dividends in recent years. The company's dividend policy aims to return a significant portion of profits to shareholders, as reflected in a stable payout ratio of around 50%.

The reliability of dividend payments is relatively high, as the bank has a solid capital base and stable earnings. This is supported by the bank's continuous profitability and strong business model. Analysts expect the bank to maintain its dividend policy in the coming years, provided there are no significant economic or regulatory changes.