-1.73%
16.84%
14.72%
2.71%
-1.22%
3.08%
40.84%
AI Spotlight on ING
Company Description
ING Bank Slaski S.A., together with its subsidiaries, provides various banking products and services in Poland.The company operates in two segments, Retail Banking and Corporate Banking.The Retail Banking segment offers various credit products, such as overdraft facilities, loans related to cards, installment loans, and mortgage loans; deposit products, including current accounts, term deposits, and savings accounts; structured products; ING fund units; brokerage services; and bank cards to individual customers.
The Corporate Banking segment provides deposit products, such as current accounts, term deposits and negotiated deposits, and savings accounts; loan products, including working and investment loans; and financial markets products, trust services, and capital market operations to institutional clients and individual entrepreneurs.It is also involved in operation and leasing of real estate properties; and the provision of financial intermediary and advisory services.In addition, the company offers leasing and factoring; accountancy and payroll services; education and promotion for the financial market and TURBO certificates; and holiday and training courses.
It operates 312 branches.The company was founded in 1989 and is headquartered in Katowice, Poland.ING Bank Slaski S.A. is a subsidiary of ING Bank NV.
Market Data
| Last Price | 284.5 |
| Change Percentage | -1.73% |
| Open | 289.5 |
| Previous Close | 289.5 |
| Market Cap ( Millions) | 37013 |
| Volume | 6682 |
| Year High | 357.5 |
| Year Low | 223.5 |
| M A 50 | 253.57 |
| M A 200 | 273.89 |
Financial Ratios
| FCF Yield | -5.58% |
| Dividend Yield | 11.72% |
| ROE | 26.82% |
| Debt / Equity | 124.51% |
| Net Debt / EBIDTA | 368.82% |
| Price To Book | 2.28 |
| Price Earnings Ratio | 8.55 |
| Price To FCF | -17.92 |
| Price To sales | 2.51 |
| EV / EBITDA | 16.57 |
News
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Corporate Banking
Expected Growth : 2.5 %
What the company do ?
Corporate Banking from ING Bank Slaski S.A. provides financial solutions and services to large corporations, institutions, and governments in Poland.
Why we expect these perspectives ?
ING Bank Slaski S.A.'s 2.5% corporate banking growth is driven by increasing demand for cash management and trade finance services from large corporations, as well as growing adoption of digital banking platforms. Additionally, the bank's strategic focus on sustainability and ESG initiatives attracts environmentally conscious clients, contributing to its growth momentum.
Segment n°2 -> Retail Banking
Expected Growth : 3.5 %
What the company do ?
Retail Banking from ING Bank Slaski S.A. provides personal banking services, including accounts, loans, credit cards, and investment products to individual customers in Poland.
Why we expect these perspectives ?
ING Bank Slaski S.A.'s 3.5% retail banking growth is driven by increasing demand for digital banking services, strategic partnerships with e-commerce platforms, and expansion into underserved regions. Additionally, the bank's focus on customer experience, competitive pricing, and innovative product offerings have contributed to its growth momentum.
Ing Bank Slaski S.A. Products
| Product Range | What is it ? |
|---|---|
| Current Accounts | ING Bank Slaski S.A. offers various current accounts for individuals and businesses, providing easy access to daily banking operations. |
| Savings Accounts | The bank offers savings accounts with competitive interest rates, allowing customers to save money and earn interest. |
| Credit Cards | ING Bank Slaski S.A. offers a range of credit cards with various benefits, such as cashback, travel insurance, and purchase protection. |
| Personal Loans | The bank provides personal loans for various purposes, such as debt consolidation, home improvement, or unexpected expenses. |
| Mortgage Loans | ING Bank Slaski S.A. offers mortgage loans for individuals and businesses, providing financing for property purchases or refinancing. |
| Investment Products | The bank offers a range of investment products, including mutual funds, stocks, and bonds. |
| Insurance Products | ING Bank Slaski S.A. offers various insurance products, including life insurance, health insurance, and property insurance. |
| Corporate Banking | The bank provides corporate banking services, including cash management, trade finance, and treasury services. |
| Private Banking | ING Bank Slaski S.A. offers private banking services, including wealth management, investment advice, and estate planning. |
ING Bank Slaski S.A.'s Porter Forces
Threat Of Substitutes
ING Bank Slaski S.A. operates in a highly competitive market, with many substitutes available to customers. However, the bank's strong brand and customer loyalty mitigate the threat of substitutes.
Bargaining Power Of Customers
ING Bank Slaski S.A. has a large customer base, which gives customers significant bargaining power. Customers can easily switch to competitors, which puts pressure on the bank to maintain competitive pricing and services.
Bargaining Power Of Suppliers
ING Bank Slaski S.A. has a diversified supplier base, which reduces the bargaining power of individual suppliers. The bank's large scale of operations also gives it negotiating power over suppliers.
Threat Of New Entrants
The banking industry has high barriers to entry, including regulatory hurdles and significant capital requirements. This makes it difficult for new entrants to challenge ING Bank Slaski S.A.'s market position.
Intensity Of Rivalry
The banking industry is highly competitive, with many players competing for market share. ING Bank Slaski S.A. faces intense rivalry from other banks, which puts pressure on the bank to maintain its market position.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 50.55% |
| Debt Cost | 3.95% |
| Equity Weight | 49.45% |
| Equity Cost | 7.68% |
| WACC | 5.79% |
| Leverage | 102.21% |
ING Bank Slaski S.A. : Quality Control
ING Bank Slaski S.A. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| SYDB.CO | Sydbank A/S, together with its subsidiaries, provides various banking products and services to corporate and retail customers in Denmark and internationally. The company operates in Banking, Asset Management, Sydbank Markets, … |
| RBI.VI | Raiffeisen Bank International AG, together with its subsidiaries, engages in the provision of corporate, retail, and investment banking services. The company offers cross border accounts, cash management, electronic banking, payments … |
| SRBNK.OL | SpareBank 1 SR-Bank ASA, together with its subsidiaries, provides various financial products and services for personal and corporate customers in Southern and Western Norway. The company offers its products and … |
| CE.MI | Credito Emiliano S.p.A., together with its subsidiaries, provides various banking services to retail and corporate customers primarily in Italy. It operates through Commercial Banking, Asset Management, Bancassurance, Trading, ALM Treasury, … |
| BKT.MC | Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers salary, non-salary, professional, basic, currency, pension, business, and … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SpareBank 1 SR-Bank
A-Score
1-Year Total Return ->
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Sydbank
A-Score
1-Year Total Return ->
🥉
Bankinter
A-Score
1-Year Total Return ->
4
Credito Emiliano
A-Score
1-Year Total Return ->
5
Raiffeisen Bank International
A-Score
1-Year Total Return ->
6
