ING Bank Śląski SA (ING) — Financial Flexibility Index

Latest as of March 2026: 0.07x

ING Bank Śląski SA (ING) has a Financial Flexibility Index of 0.07x as of March 2026. Free cash flow of zł18.72 Billion (operating CF zł18.65 Billion minus capex zł72.00 Million) represents 0% of total liabilities (zł282.36 Billion). Check ING Bank Śląski SA (ING) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.07x
Free Cash Flow / Total Liabilities

Free Cash Flow

zł18.72 Billion
Operating CF − Capex

Total Liabilities

zł282.36 Billion
PLN

Capital Expenditures

zł72.00 Million
PLN

ING Bank Śląski SA Financial Flexibility Index (2006–2025)

Historical Financial Flexibility Index trend for ING Bank Śląski SA across 20 annual periods. For the full cash flow conversion analysis, see ING Bank Śląski SA cash flow conversion.

Annual Financial Flexibility Index for ING Bank Śląski SA (2006–2025)

Year-by-year free cash flow to debt coverage for ING Bank Śląski SA. Explore ING operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (PLN) Operating CF Total Liabilities YoY Change
2025 0.01x zł1.57 Billion zł1.26 Billion zł260.68 Billion ▼ -58.4%
2024 0.01x zł3.53 Billion zł3.40 Billion zł243.63 Billion ▲ +251.5%
2023 -0.01x zł-2.19 Billion zł-2.34 Billion zł228.63 Billion ▼ -161.7%
2022 0.02x zł3.22 Billion zł2.96 Billion zł207.92 Billion ▲ +420.9%
2021 0.00x zł559.90 Million zł437.00 Million zł188.12 Billion ▼ -97.4%
2020 0.12x zł19.58 Billion zł19.41 Billion zł167.98 Billion ▲ +40468.8%
2019 0.00x zł-41.40 Million zł-235.40 Million zł143.39 Billion ▲ +98.8%
2018 -0.02x zł-3.00 Billion zł-3.23 Billion zł128.25 Billion ▼ -146.4%
2017 0.05x zł5.75 Billion zł5.58 Billion zł114.22 Billion ▲ +3880.9%
2016 0.00x zł-142.40 Million zł-333.40 Million zł107.00 Billion ▼ -127.3%
2015 0.00x zł478.10 Million zł211.30 Million zł98.21 Billion ▲ +160.9%
2014 -0.01x zł-715.10 Million zł-925.30 Million zł89.40 Billion ▼ -119.4%
2013 0.04x zł3.22 Billion zł3.06 Billion zł78.12 Billion ▲ +312.3%
2012 -0.02x zł-1.36 Billion zł-1.54 Billion zł70.13 Billion ▲ +27.7%
2011 -0.03x zł-1.70 Billion zł-1.91 Billion zł63.31 Billion ▼ -38.7%
2010 -0.02x zł-1.14 Billion zł-1.29 Billion zł58.86 Billion ▲ +12.8%
2009 -0.02x zł-1.22 Billion zł-1.36 Billion zł55.00 Billion ▼ -390.8%
2008 0.00x zł-295.32 Million zł-445.68 Million zł65.39 Billion ▲ +92.0%
2007 -0.06x zł-2.72 Billion zł-2.85 Billion zł48.17 Billion ▼ -168.5%
2006 0.08x zł3.69 Billion zł3.60 Billion zł44.69 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities