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Millennium bank Millennium 2024 Inspired by people Warsaw , 6 December 2021 Assumptions of the Strategy of Bank Millennium Group for 2022 - 2024 . According to the new strategy for 2022 - 2024 Bank Millennium is planning to face - up to the growing post - pandemic expectations of customers and shareholders . By 2024 the Bank aspires to reach 2 bn PLN net profit ( excluding costs involved with the FX mortgage loans portfolio ) and ROE before such costs around 14 % . The ambitious efficiency ratios and business growth will be possible thanks to a continued increase of the number of active customers ( to more than 3 million in 2024 ) as well as enhancing the cost - effective scalable operational platform ( Cost - to - Income ratio below 37 % ² in 2024 ) . - Joao Bras Jorge , Chairman of the Management Board of Bank Millennium , said . - The strategy for 2022-2024 assumes a solid business growth , leading to growing profitability , incorporating customers ' preferences changed or intensified by Covid - 19 . After aggregation the new strategic goals are grouped in three development pillars : • 1. Strong growth of the number of active customers We are planning further significant increase of the number of active customers to the level of over 3 million in 2024. This means approximately 100,000 net growth per