The bank reported a net profit of PLN 1,372 million in Q4 2025, representing a 5% increase year-over-year and a 23% jump quarter-over-quarter. ING Bank Slaski surpassed Santander in terms of loans and deposits. The bank achieved an impressive return on equity (ROE) adjusted for MCFH of 20.8%. ING Bank Slaski is part of ING Group, which holds 75% of the shares, with the remaining 25% held by minority shareholders through listing on the Warsaw Stock Exchange.
Cyborg Score Rationale
The bank achieved 6% year-on-year growth in annual net profit of PLN 4.6 billion for 2025. Market share in corporate deposits rose from 7.8% in 2016 to 9.8% in Q4 2025, and retail deposits increased from 8.6% to 10.2%. The bank maintained a strong capital position with solid capital adequacy ratios well above regulatory requirements, providing a solid foundation for continued growth.
Top Insights
Mortgage portfolio increased by PLN 8 billion to PLN 69 billion with market share growing from 13.5% to 14.2%.
The bank added 133,000 new retail customers and 22,000 new corporate customers in 2025, bringing totals to 4.7 million and 554,000 respectively.
Poland's GDP is forecasted to grow by 3.7% in 2026, providing a favorable environment for the bank's operations.
The bank announced plans to pay out a dividend equal to 75% of its net profit for 2025.
Named Competitors
PKO Bank Polski — Largest bank in Poland
Santander Bank Polska — Major Polish banking competitor
mBank — Digital-first Polish bank
Recent Developments
(February 2026) Q4 2025 net profit reached PLN 1.37 billion, exceeding consensus estimates with 5% year-over-year growth
(February 2026) Bank announced 75% dividend payout of 2025 net profit
(2025) Successfully surpassed Santander in loans and deposits, becoming third largest bank in Poland
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