ScoreWhy is ING Bank Slaski SA ?
1
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
- Bank has controlled its costs efficiently with a low Cost to Income ratio of 44.17%
2
Positive results in Dec 25
- NII(Q) Highest at PLN 2,295 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 88.56%
- OPERATING PROFIT(Q) Highest at PLN 1,679 MM
3
With ROA of 0.88%, it has a expensive valuation with a 2.24 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 20.09%, its profits have fallen by -2%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to ING Bank Slaski SA should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is ING Bank Slaski SA for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
ING Bank Slaski SA
20.09%
1.38
27.47%
Poland WIG
27.62%
1.38
19.95%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.30%
EBIT Growth (5y)
24.22%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
2.24
EV to EBIT
11.99
EV to EBITDA
11.26
EV to Capital Employed
1.52
EV to Sales
4.84
PEG Ratio
NA
Dividend Yield
8.31%
ROCE (Latest)
12.70%
ROE (Latest)
24.80%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NII(Q)
Highest at PLN 2,295 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 88.56%
OPERATING PROFIT(Q)
Highest at PLN 1,679 MM
PRE-TAX PROFIT(Q)
Highest at PLN 1,722 MM
NET PROFIT(Q)
Highest at PLN 1,420.07 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PLN -4,518 MM
EPS(Q)
Lowest at PLN 0
Here's what is working for ING Bank Slaski SA
NII
Highest at PLN 2,295 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (PLN MM)
Operating Profit
Highest at PLN 1,679 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PLN MM)
Pre-Tax Profit
Highest at PLN 1,722 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PLN MM)
Net Profit
Highest at PLN 1,420.07 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (PLN MM)
Credit Deposit Ratio
Highest at 88.56%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for ING Bank Slaski SA
Operating Cash Flow
Lowest at PLN -4,518 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PLN MM)
EPS
Lowest at PLN 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (PLN)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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