ING Bank Śląski SA Net Assets
ING Bank Śląski SA net assets. Based on the latest financial reports, ING Bank Śląski SA (ING) has net assets worth zł20.59 Billion PLN (≈ $5.67 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł302.95 Billion ≈ $83.38 Billion USD) and total liabilities (zł282.36 Billion ≈ $77.71 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. See ING Bank Śląski SA (ING) balance sheet quality index to measure how much of total assets are equity-financed.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | zł20.59 Billion |
| % of Total Assets | 6.79% |
| Annual Growth Rate | 9.54% |
| 5-Year Change | 57.72% |
| 10-Year Change | 103.7% |
| Growth Volatility | 21.78 |
Net Assets of ING Bank Śląski SA (2006–2025)
Net assets of ING Bank Śląski SA from 2006 to 2025. This chart illustrates how ING Bank Śląski SA's net assets have evolved over time, based on quarterly financial data. Also explore net asset momentum of ING Bank Śląski SA to track the company's year-over-year net asset growth rate.
Annual Net Assets for ING Bank Śląski SA (2006–2025)
The table below shows the annual net assets of ING Bank Śląski SA from 2006 to 2025. For live market cap and overall valuation, see ING Bank Śląski SA market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | zł21.34 Billion ≈ $5.87 Billion |
+24.30% |
| 2024-12-31 | zł17.17 Billion ≈ $4.73 Billion |
+2.59% |
| 2023-12-31 | zł16.74 Billion ≈ $4.61 Billion |
+79.10% |
| 2022-12-31 | zł9.34 Billion ≈ $2.57 Billion |
-30.94% |
| 2021-12-31 | zł13.53 Billion ≈ $3.72 Billion |
-27.32% |
| 2020-12-31 | zł18.62 Billion ≈ $5.12 Billion |
+22.30% |
| 2019-12-31 | zł15.22 Billion ≈ $4.19 Billion |
+14.15% |
| 2018-12-31 | zł13.34 Billion ≈ $3.67 Billion |
+13.07% |
| 2017-12-31 | zł11.79 Billion ≈ $3.25 Billion |
+12.58% |
| 2016-12-31 | zł10.48 Billion ≈ $2.88 Billion |
-1.90% |
| 2015-12-31 | zł10.68 Billion ≈ $2.94 Billion |
+2.14% |
| 2014-12-31 | zł10.46 Billion ≈ $2.88 Billion |
+21.19% |
| 2013-12-31 | zł8.63 Billion ≈ $2.37 Billion |
+6.05% |
| 2012-12-31 | zł8.14 Billion ≈ $2.24 Billion |
+26.81% |
| 2011-12-31 | zł6.42 Billion ≈ $1.77 Billion |
+13.50% |
| 2010-12-31 | zł5.65 Billion ≈ $1.56 Billion |
+15.68% |
| 2009-12-31 | zł4.89 Billion ≈ $1.34 Billion |
+15.68% |
| 2008-12-31 | zł4.22 Billion ≈ $1.16 Billion |
+10.00% |
| 2007-12-31 | zł3.84 Billion ≈ $1.06 Billion |
+1.64% |
| 2006-12-31 | zł3.78 Billion ≈ $1.04 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to ING Bank Śląski SA's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 773.1% over the analyzed period, indicating profitable operations and earnings retention.
ING Bank Śląski SA Net Assets Breakdown (December 2025)
ING Bank Śląski SA net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | zł22.15 Billion | 103.78% |
| Total Equity | zł21.34 Billion | 100.00% |
ING Bank Śląski SA Competitors by Market Cap
The table below lists competitors of ING Bank Śląski SA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Beiersdorf Aktiengesellschaft
F:BEIA
|
$16.28 Billion |
|
Jiangsu Hengli Hydraulic Co Ltd
SHG:601100
|
$16.28 Billion |
|
Toast Inc
NYSE:TOST
|
$16.28 Billion |
|
Medpace Holdings Inc
NASDAQ:MEDP
|
$16.36 Billion |
|
Gold Circuit Electronics Ltd
TW:2368
|
$16.24 Billion |
|
Genmab AS
NASDAQ:GMAB
|
$16.23 Billion |
|
China Jushi Co Ltd
SHG:600176
|
$16.21 Billion |
|
Pan American Silver Corp
TO:PAAS
|
$16.15 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in ING Bank Śląski SA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 17,170,000,000 to 21,342,000,000, a change of 4,172,000,000 (24.3%).
- Net income of 4,633,000,000 contributed positively to equity growth.
- Dividend payments of 3,276,000,000 reduced retained earnings.
- Other comprehensive income increased equity by 4,699,000,000.
- Other factors decreased equity by 1,862,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | zł4.63 Billion | +21.71% |
| Dividends Paid | zł3.28 Billion | -15.35% |
| Other Comprehensive Income | zł4.70 Billion | +22.02% |
| Other Changes | zł-1.86 Billion | -8.72% |
| Total Change | zł- | 24.30% |
Book Value vs Market Value Analysis
This analysis compares ING Bank Śląski SA's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.77x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 15.72x to 2.77x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2006-12-31 | zł28.87 | zł453.80 | x |
| 2007-12-31 | zł29.51 | zł453.80 | x |
| 2008-12-31 | zł32.45 | zł453.80 | x |
| 2009-12-31 | zł37.54 | zł453.80 | x |
| 2010-12-31 | zł43.43 | zł453.80 | x |
| 2011-12-31 | zł49.30 | zł453.80 | x |
| 2012-12-31 | zł62.52 | zł453.80 | x |
| 2013-12-31 | zł66.31 | zł453.80 | x |
| 2014-12-31 | zł80.35 | zł453.80 | x |
| 2015-12-31 | zł82.07 | zł453.80 | x |
| 2016-12-31 | zł80.51 | zł453.80 | x |
| 2017-12-31 | zł90.66 | zł453.80 | x |
| 2018-12-31 | zł102.51 | zł453.80 | x |
| 2019-12-31 | zł117.01 | zł453.80 | x |
| 2020-12-31 | zł143.11 | zł453.80 | x |
| 2021-12-31 | zł104.01 | zł453.80 | x |
| 2022-12-31 | zł71.82 | zł453.80 | x |
| 2023-12-31 | zł128.62 | zł453.80 | x |
| 2024-12-31 | zł131.93 | zł453.80 | x |
| 2025-12-31 | zł164.04 | zł453.80 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently ING Bank Śląski SA utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 21.71%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 39.19%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 13.21x
- Recent ROE (21.71%) is above the historical average (14.33%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2006 | 15.92% | 32.97% | 0.04x | 12.90x | zł222.38 Million |
| 2007 | 16.59% | 31.43% | 0.04x | 13.55x | zł252.94 Million |
| 2008 | 10.55% | 21.34% | 0.03x | 16.49x | zł23.20 Million |
| 2009 | 12.18% | 23.99% | 0.04x | 12.26x | zł106.63 Million |
| 2010 | 13.33% | 27.99% | 0.04x | 11.42x | zł188.06 Million |
| 2011 | 13.72% | 32.11% | 0.04x | 10.87x | zł238.73 Million |
| 2012 | 10.23% | 26.25% | 0.04x | 9.62x | zł18.92 Million |
| 2013 | 11.15% | 29.56% | 0.04x | 10.06x | zł98.87 Million |
| 2014 | 9.96% | 29.74% | 0.04x | 9.55x | zł-4.70 Million |
| 2015 | 10.55% | 30.00% | 0.03x | 10.20x | zł59.21 Million |
| 2016 | 11.96% | 29.06% | 0.04x | 11.22x | zł205.51 Million |
| 2017 | 11.90% | 29.59% | 0.04x | 10.68x | zł223.62 Million |
| 2018 | 11.44% | 29.12% | 0.04x | 10.62x | zł192.27 Million |
| 2019 | 10.90% | 28.55% | 0.04x | 10.42x | zł136.37 Million |
| 2020 | 7.18% | 21.46% | 0.03x | 10.02x | zł-524.23 Million |
| 2021 | 17.06% | 33.56% | 0.03x | 14.90x | zł955.16 Million |
| 2022 | 18.35% | 22.24% | 0.04x | 23.25x | zł779.97 Million |
| 2023 | 26.54% | 44.25% | 0.04x | 14.66x | zł2.77 Billion |
| 2024 | 25.45% | 26.94% | 0.06x | 15.19x | zł2.65 Billion |
| 2025 | 21.71% | 39.19% | 0.04x | 13.21x | zł2.50 Billion |
Industry Comparison
This section compares ING Bank Śląski SA's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $10,275,412,778
- Average return on equity (ROE) among peers: 12.61%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| ING Bank Śląski SA (ING) | zł20.59 Billion | 15.92% | 13.72x | $16.25 Billion |
| Bank Handlowy w Warszawie SA (BHW) | $5.60 Billion | 14.71% | 5.94x | $4.34 Billion |
| BNP Paribas Bank Polska S.A. (BNP) | $2.63 Billion | 4.80% | 11.71x | $6.90 Billion |
| Bank Ochrony Środowiska SA (BOS) | $919.95 Million | 2.92% | 12.14x | $266.44 Million |
| Erste Bank Polska S.A. (EBP) | $23.34 Billion | 9.48% | 5.54x | $21.82 Billion |
| Getin Holding SA (GTN) | $107.05 Million | 25.51% | 4.76x | $14.94 Million |
| mBank SA (MBK) | $16.68 Billion | 0.62% | 9.73x | $19.10 Billion |
| Bank Millennium S.A. (MIL) | $2.52 Billion | 18.32% | 11.12x | $7.66 Billion |
| Bank Polska Kasa Opieki SA (PEO) | $16.04 Billion | 22.00% | 7.23x | $18.96 Billion |
| Powszechna Kasa Oszczednosci Bank Polski SA (PKO) | $24.65 Billion | 15.17% | 6.75x | $39.40 Billion |
About ING Bank Śląski SA
ING Bank Slaski S.A., together with its subsidiaries, provides various banking products and services for retail clients and businesses in Poland. It operates in two segments, Retail Banking and Corporate Banking. The company accepts personal and business accounts. Its loan products include cash loans, mortgages, business line of credit, invoice financing, leasing, factoring, investment loans, bus… Read more