Slides
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Bank Millennium Group 3Q25/9M25 results October 24, 2025
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Disclaimer This presentation has been prepared by Bank Millennium for its stakeholders for information purpose only. The information presented in this presentation should be read together with other information published by the Bank (on www.bankmillennium.pl), in particular financial and current reports. Financial data presented hereby is on consolidated Bank Millennium Group level. Financial data is based on management accounts, hence it may differ from this presented in reported financial statements. In its 9M25 financial statements, the Bank introduced some changes in presentation of financial data in order to better reflect the economic substance of the presented items, taking into account current market practice. In particular, a dedicated line item “Legal risk costs related to foreign currency mortgage loans” has been introduced. This item includes not only the costs of provisions previously presented under ‘Provisions for legal risk related to foreign currency mortgage loans’ and included amounts related to the recognized adjustment of the gross carrying amount of foreign currency loans as well as amounts recorded under the 'Provisions' line item, but also period costs related to settlements concluded on the Bank’s terms (previously included in ‘Net trading income’), costs of settlements concluded under KNF terms (previously presented as ‘Modification result’), as well as legal representation costs and statutory interest (previously included in ‘Other operating expenses’). This presentation should not be treated as a recommendation to purchase securities, an offer, invitation or a solicitation of an offer to purchase, invest or conclude any transaction on securities, in particular with respect to securities of Bank Millennium. 2
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Agenda Business development 16 Financial performance 4 Appendices 30 3
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Financial performance 3Q25/9M25 results
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5 Main financial achievements in 9M25 CAPITAL , LIQUIDITY & MRELPROFITABILITY • 9M25 reported net profit of PLN855mn, up +56% y/y. Record high reported quarterly profit in 3Q25 of PLN345mn, up 82% y/y. 9M25 net profit excluding FX- mortgage costs at PLN2,347mn (+2% y/y). • 3Q25 ROE at 15.0%, 9M25 ROE at 14.2%. • Resilient NII despite lower interest rates. At PLN4,318mn, it was up 7% y/y and up 3% y/y excluding impact of credit holidays in 9M24. 9M25 NIM at 4.10%, down 26bps y/y despite 98bps lower 3M WIBOR. • 9M25 C/I (adjusted) at 35.1%. • 9M25 credit risk cost (annualised) at 32bps. • NPL ratio stable at 4.2%. • Solid capital position. Consolidated TCR at 16.0% and Tier1 ratio at 14.4% following inclusion of 1H25 net profit into regulatory capital. Buffers over requlatory requirements at 4.2 p.p. and 4.6 p.p respectively. • Solid buffers over MREL requirements maintained. With surplus over MREL trea requirement at 6.4 p.p. and over MREL tem at 2.9 p.p. • LTFR at ~33% and on track to the target YE26 level. • Loan to deposit ratio at 58%. Reported net profit growth of 56% y/y in 9M25. Strong asset quality, liquidity and capital. F I N A N C I A L P E R F O R M A N C E
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Key profit & loss items 6 (*) Extraordinary items: FX-mortgage related costs (tax adjusted) and hypothetical bank tax until the end of May 2024 (**) With linear BFG charge: PLN 76mn annual charge for BFG resolution fund in 2025 and PLN61mn in 2024 spread evenly over the entire respective year [PLNmn unless otherwise stated] F I N A N C I A L P E R F O R M A N C E 9M25 9M24 Change Y/Y 3Q25 2Q25 Change Q/Q Net interest income 4,318 4,025 7% 1,446 1,448 0% Net interest income w/o credit holidays 4,318 4,182 3% 1,446 1,448 0% Net commission income 575 589 -2% 204 188 9% Total operating income 5,165 4,948 4% 1,749 1,749 0% Total costs -1,897 -1,656 15% -627 -602 4% Costs without BFG -1,784 -1,595 11% -609 -584 4% Loan loss provisions -194 -307 -37% -113 6 - Provisions for FX mortg. legal risk -1,570 -2,131 -26% -485 -589 -18% Banking tax on assets -301 -134 - -101 -101 0% Net profit 855 547 56% 345 331 4% Net profit adjusted* 2,347 2,297 2% 743 886 -16% NIM 4.10% 4.35% -0.26 pp 3.95% 4.13% -0.18 pp Cost/income reported 36.7% 34.6% 2.2 pp 35.8% 34.4% 1.4 pp Cost/income adjusted** 35.1% 30.5% 4.6 pp 37.2% 33.9% 3.3 pp Cost of credit risk (bp) 32 53 -21 bp 54 -3 57 bp ROE (reported)** 14.2% 10.4% 3.8 pp 15.0% 15.2% -0.3 pp 35.1% 56% 3% 14.2%
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7 Other key indicators Sep’25 Sep’24 Change Y/Y June’25 Change Q/Q Active retail customers (ths) 3,234 3,098 136 3,193 41 On-line and mobile (ths) 3,024 2,863 161 2,968 56 Customers funds 142,420 124,540 14% 134,771 6% Deposits 128,186 113,981 12% 121,734 5% Deposits of individuals 94,178 84,530 11% 91,266 3% Loans 74,729 75,542 -1% 74,222 1% FX-mortgage loans excl. f. EB 617 1,630 -62% 829 -26% Loans without FX-mortgages 74,002 73,693 0% 73,242 1% 12% 161 136 F I N A N C I A L P E R F O R M A N C E [PLNmn unless otherwise stated] L/D 58.3% 66.3% -8.0 pp 61.0% -2.7 pp LTFR* ~33.0% - 33.5% -0.5 pp Impaired loan ratio** 4.2% 4.6% -0.5 pp 4.2% 0.0 pp Coverage ratio 78.0% 72.0% 6.0 pp 75.9% 2.1 pp CET1 = T1 14.4% 15.3% -0.9 pp 13.8% 0.6 pp TCR 16.0% 17.9% -2.0 pp 15.6% 0.4 pp MREL TREA 25.5% 28.6% -3.1 pp 25.3% 0.2 pp 16.0% 78.0% 4.2% 25.5% (*) Long-term funding ratio – according to requirement set by the PFSA (**) Impaired loan ratio = credit risk provisions / impaired loans 14.4% -62%
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8 2024 2028 TARGET 3Q25 RETAIL PRIMARY CLIENTS 60.7% ~70% 61.3% [%] RETAIL ACTIVE CLIENTS 3.13 >3.7 3.23 [M] RETAIL DIGITAL ACTIVE CLIENTS 92.9% >95% 93.5% [%] CORPORATE LOANS VOLUME 14.6 >25 16.3 [PLN B] BUSINESS ACTIVE CLIENTS 38.0 >50 38.9 [K] BUSINESS GOALS We embrace innovation, digitally delivering top-quality services, to be the primary bank for individuals and companies in Poland. STRATEGY MILLENNIUM 2028 – VALUE & GROWTH NPS RETAIL/ CORPO 2 / 1 3 / 3 2 / N/A* [#] RETURN ON EQUITY 9.8% ~18% 14.2%** [%] COST/ INCOME 37.6% ~37% 35.1%** [%] TIER1 14.8% ~15% 14.4% [%] NON- PERFORMING LOANS 4.5% <4% 4.2% [%] FINANCIAL & RISK GOALS DIVIDEND PAYMENT 2025 2028 2024 2025 TOP EMPLOYER 2028 2024 [Y/N] [Y/N] NO NO Strategy 25-28: On the way through the strategic objectives of the ‘Value & Growth’ strategy (*) NPS for retail banking segment reported on quarterly basis and for corporate banking segment on annual basis; (**) Financial indicators reported cumulative after each quarter, i.e. year-to-date, versus 2024 full year result. S T R AT E G Y E X E C U T I O N
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-42 -157 -322 -181 -269 -111 -89 -39 -660 -239 -599 -383 -283 -425 -463 -428 -465 -359 -1,091 -1,252 756 668 834 796 904 718 886 743 2,297 2,347 115 128 229 190 173 179 331 345 547 855 -1300 -800 -300 200 700 1200 1700 2200 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 Reported net result Net profit without extraordinary/one-off items FX-mortg. legal risk prov. (net) Extraordinary/one-off income & costs incl. other FX-related costs Reported 9M25 net profit of PLN855mn (+56% y/y), adjusted at PLN2.3bn (+2% y/y). Reported ROE of 14.2%. 9 (*) Extraordinary items: FX-mortgage related costs (tax adjusted) and hypothetical bank tax until the end of May 2024 and cost of credit holidays and its adjustments: PLN-9mn in 4Q23 and PLN-201mn in 2Q24 and a release of PLN44mn in 3Q24 and PLN45mn in 4Q24 (**) Extraordinary items: FX-mortgage related costs in other operating income/cost and indemnity from SG. Additionally: income from bancassurance transaction (in 2023) and cost of credit holidays PLNmn Net profit PLNmn PLNmn Operating income w/o extraordinary items** ROE reported 1,664 1,606 1,640 1,697 1,761 1,776 1,691 1,688 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 F I N A N C I A L H I G H L I G H T SO F 3 Q 2 5 756 668 834 796 904 718 886 743 115 128 229 190 173 179 331 345 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Net profit without extraordinary/one-off items Reported net result +82% -1% -7% Net profit w/o extraordinary items* 10.4% 14.2% +2% +56%
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NII (excluding credit holidays) in 9M25 was 3% higher than a year ago. NIM trending down and at 3.95% in 3Q25. Fees recovered in 3Q25. 9M25 fees down 2% y/y but up 8% y/y without bancassurance. 10 (*) without cost of credit holidays and its adjustments: preliminary cost of PLN201mn in 2Q24 and a release of PLN44mn in 3Q24 and PLN45mn in 4Q24 PLNmn Net interest income* Interest on loans* and deposits (quarterly average) PLNmn Fee income structure I N T E R E S T A N D C O M M I S S I O N I N C O M E 190 200 191 199 188 183 188 204 589 575 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 1,293 1,354 1,383 1,445 1,460 1,423 1,448 1,446 4,182 4,318 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 8.17% 8.18% 8.10% 8.09% 8.09% 8.02% 7.86% 7.43% 2.55% 2.40% 2.35% 2.26% 2.20% 2.24% 2.18% 2.04% 4.24% 4.36% 4.28% 4.39% 4.37% 4.23% 4.13% 3.95% 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Interest on loans Interest of deposits Net interest margin 38 40 39 42 40 40 40 43 53 50 47 40 44 44 35 35 23 26 28 30 32 34 36 39 46 49 50 49 52 56 60 64 31 36 27 38 21 9 17 23 190 200 191 199 188 183 188 204 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Insurance Cards Investment products and capital markets Loans Accounts service & other PLNmn Net fees -2% +3% +8% y/y without bancassurance +9% 0% +9%
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268 289 295 303 310 322 347 339 887 1008 261 248 210 250 287 252 237 270 708 758 61 94 18 18 61 131 529 598 505 553 596 668 602 627 1,656 1,897 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 BFG cost Other administrative cost Personnel cost 11 Operating costs up 15% y/y (up 11% w/o BFG). Other admin. costs up 7% y/y. C/I at 35.1% in 9M25 with most of cost growth vs. 9M24 attributable to higher regulatory costs. (*) without one-off income, credit holidays cost and FX mortgage related costs (litigation and amicable settlements with clients) with linear distribution of BFG resolution fund fees PLNmn Operating cost Employees Branches E F F I C I E N C Y 368 363 361 360 353 242 243 244 241 239 610 606 605 601 592 3Q24 4Q24 1Q25 2Q25 3Q25 Own Partners' outlets -18 6,696 6,714 6,726 6,786 6,824 6,338 6,355 6,355 6,424 6,469 3Q24 4Q24 1Q25 2Q25 3Q25 Employees (FTE) Headcount w/o long-term leaves Cost/income adjusted* 35.1% +128 +14% +7% +15% 30.5%
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12 Strong credit quality, with NPL ratio trending towards 4% level CoR at low level of 32bps in 9M25. Further increase in the coverage ratio of impaired loans by provisions Note: quarterly risk charge in PLNmn also includes charges for non-financial assets. In 3Q25 this amounted to PLN10.4mn and related mostly to provisions for post court verdict FX-mortgage related receivables Coverage ratio Result from sale of NPLs (pre-tax) A S S E T Q U A L I T Y PLNmn 36 0 42 0 45 0 74 0 86 0 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4.5% 4.7% 4.6% 4.6% 4.5% 4.6% 4.5% 4.5% 4.2% 4.2% 2.3% 2.4% 2.4% 2.4% 2.4% 2.3% 2.3% 2.3% 2.3% 2.2% 10.1% 10.4% 9.8% 9.9% 9.3% 8.7% 8.2% 8.3% 7.5% 7.7% 3.6% 3.7% 3.8% 3.7% 4.0% 4.9% 4.7% 4.4% 4.1% 3.7% 30/06/23 30/09/23 31/12/23 31/03/24 30/06/24 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 Total loans Mortgage Consumer l. Companies 58 100 56 75 -28 66 -47 65 231 8410 20 15 41 32 20 41 48 76 109 68 120 71 117 3 86 113 307 194 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 Companies and other Retail -6 bps Cost of risk PLNmn 60 51 53 72% 79 19 32 78% Total loans Retail Companies Impaired loans (IFRS9 stage 3 & POCI) -37%
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Capital adequacy ratios at comfortable surplus despite higher CCyB Group capital ratios Capital requirement vs. actual ratios on Sep 30, 2025 (Group) C A P I TA L R AT I O S 18.1% 18.0% 17.1% 17.9% 17.2% 17.3% 15.6% 16.0% 14.7% 14.9% 14.3% 15.3% 14.8% 15.2% 13.8% 14.4% 12.2% 12.2% 12.2% 12.2% 12.2% 10.8% 10.8% 11.8% 9.9% 9.9% 9.9% 9.9% 9.9% 8.8% 8.8% 9.8% 8.1% 8.1% 8.1% 8.1% 8.1% 7.3% 7.3% 8.3% 31/12/23 31/03/24 30/06/24 30/09/24 31/12/24 31/03/25 30/06/25 30/09/2025 TCR CET1=T1 min. regulatory TCR min. regulatory T1 min. regulatory CET1 Surplus 4.2 p.p. Surplus 4.6 p.p. Key points Consolidated T1 ratio evolution in 3Q25 • Capital ratios increased (consolidated TCR at 16.0%, consolidated T1 at 14.4%) following the inclusion of 1H25 net profit into regulatory capital. RWAs up 5% during the quarter (amortisation of SRTs and higher corporate exposures). • Strong capital buffers maintained despite an increase of countercyclical buffer (CCyB) to 1%. Surplus at consolidated T1 level was 4.6 p.p., while at TCR level 4.2 p.p. • Further 1 p.p. increase of CCyB in September’26. 4.5% 6.0% 8.0% 2.5% 2.5% 2.5% 0.25% 0.25% 0.25% 1.0% 1.0% 14.4% 1.0% 16.0% 8.3% 9.8% 11.8% CET1 requirement T1 requirement BM CET1=T1 TCR requirement BM TCR OSII buffer Capital conserv. buffer Minimum 13 CCyB buffer OSII buffer Capital conserv. buffer Minimum
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14 Significant surplus of MREL and liquidity ratios Liquidity indicators M R E L R E Q U I R E M E N T S A N D L I Q U I D I T Y MREL 327% 334% 337% 365% 371% 418% 414% 374% 69% 65% 64% 66% 64% 62% 61% 58% 33% 37% 37% 36% 39% 41% 42% 44% 180% 188% 193% 188% 196% 201% 206% 206% 31/12/23 31/03/24 30/06/24 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 LCR Loans/ Deposits Debt securities/ Total assets NSFR MREL ratios marginally up q/q, buffers remain solid • MREL ratios were marginally up and surplus over the minimum requirements remained solid despite higher CCyB. • MREL trea requirement lowered by BFG in May’25 following the elimination of P2R buffer more than offset the recently increased CCyB. • Long-term Funding Ratio (”LTFR”), fluctuating at the level of around 33% during 3Q25, is on track to meet end of Dec’26 recommended level. Regular issues of covered bonds by Millennium Mortgage Bank (MBH) will be the main driver of LTFR increase, along with excess of capital and the issued MREL bonds. MBH just set up EMTN covered bond programme (up to EUR3bn), registered a prospectus at the Luxembourg exchange and is about to launch its first offer under the programme. • In 1Q25 MBH issued PLN800mn worth of covered bonds, following two issues totalling PLN800mn in 2024. The bonds are rated AAA /Negative Outlook by Fitch. Near-term outlook 25.5% 19.1% 8.83% 5.91% MREL trea actual MREL trea req. MREL tem actual MREL tem req. +6.4 p.p. +2.9 p.p.
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Pace of FX-mortgage portfolio’s downsizing accelerated further to >30% y/y. Outstanding legal provisions at PLN7.0bn. Legal risk provisions / outstanding active gross FX-mortgages at 150%. 15(*) Excluding f.Euro Bank; (**) actual outstanding B/S provisions may differ from the sum of P&L charges due to FX movements and utilisations among others CHFmn FX-mortgages* (gross, before legal risk provisions) FX-mortgages as % of total consolidated gross loans Outstanding provisions against legal risk FX - M O R T G A G E P O R T F O L I O ( 1 / 2 ) Provisions against legal risk* PLNmn As % of active FX-mortgage book (gross less allocated legal risk provisions) Outstanding provisions: PLN7.0bn Total provision cost to date: PLN11.0bn 4,698 1,878 1,395 1,009 -34% -12% Active agreements (#): 17.8k (-12% q/q, -33% y/y) 20.4% 12.4% 8.9% 4.1% 1.8% 1.0% 19.1% 11.4% 8.1% 3.6% 1.5% 0.8% Total Excl. f.EB 470483411509394 7,724 6,968 Quarterly P&L charge Balance sheet provision** 2% 2% 3% 4% 7% 11%15%19%26%31%36%41%47%56%65%74%83%92%101%111%122%132%142%150%
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Main assumptions • 2.6k of active loans at end of September’25 assumed not to litigate and/or not to settle out-of-court • 1.8k of closed loans assumed to litigate in the future • 12% of in-court cases to be settled amicably Lowest quarterly inflow of new claims in the last four years and below # of settlements. Over 29k amicable settlements to date, equivalent to 48% of active agreements at YE19. 16 (*) Excluding f. EB and including cases originally in class-action suit; (**) without loans originated by former Euro Bank; (***) the original value of loans granted was PLN18.3bn; (****) includes cases from class-action lawsuit New individual indexation lawsuit cases* New settlements (in-court & out-of-court) Legal risk provisions FX - M O R T G A G E P O R T F O L I O ( 2 / 2 ) Portfolio of legacy FX-mortgage loans** 29.3104*** 9.1 20.0**** 3.6 41.8 # 000s ~19.0k individual active cases against BM (o/w repaid ~29%) # 1,227 1,646 1,770 1,5131,5701,557 1,3351,290 1,709 1,534 1,8661,753 1,5821,615 1,475 1,1701,0831,029 904 1Q21 3Q21 1Q22 3Q22 1Q23 3Q23 1Q24 3Q24 1Q25 3Q25 911 2,283 2,6412,615 2,2812,1762,174 1,312 805 925 868 1,0711,1041,0091,084 1,261 1,103 1,0871,209 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 # 29.3k amicable settlements to date Total Settled Final verdicts In court Remaining active Remaining repaid
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Business development 3Q25/9M25 results
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18 Main business achievements in 9M25 MAIN COMMERCIAL HIGHLIGHTSBUSINESS VOLUMES EVOLUTION • Total deposits grew 12% y/y • Consumer loans grew 3% y/y • Companies portfolio up 12% y/y • Growth of investment funds portfolio by 39% y/y • Loans to deposit ratio at 58% • Active retail clients of 3,234 ths.; 93.5% customers are digitally active YTD loans sales: • Cash loans PLN5,409mn (flat y/y) • Corporate loans PLN4,976mn (+127% y/y) • Leasing PLN2,814mn (-2% y/y) • Factoring turnover PLN21,048mn (+11% y/y) High growth of customer funds and growing customer acquisition. Strong dynamics in corporate lending, stable & high origination of consumer loans, accelerating origination of mortgages. B U S I N E S S D E V E L O P M E N T
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37,548 37,321 36,700 35,832 35,070 1,849 1,314 1,194 980 728 17,948 18,040 18,351 18,904 20,125 18,196 18,301 18,296 18,506 18,806 75,542 74,975 74,541 74,222 74,729 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 Consumer loans Loans to companies FX mortgage loans PLN mortgage loans 19 (*) Covered by SocGen guarantee and indemnity (**) Net of legal risk provisions PLNmn Loan portfolio of the Group (net) Customer deposits Investment products L O A N S A N D C U S T O M E R F U N D S Structure of loan portfolio (gross)** -7% +3% -1% +12% PLNmn PLNmn +15% +12% 84,530 87,567 90,348 91,266 94,178 29,451 29,690 29,088 30,468 34,008 113,981 117,257 119,436 121,734 128,186 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 Companies Retail +11% 7,190 7,608 8,182 9,064 10,000 3,369 3,465 3,789 3,972 4,23410,559 11,073 11,971 13,037 14,234 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 3rd party products Millennium TFI mutual funds +39% +35% loans to companies & factoring 13.8% leasing 9.4% FX mortg. BM 0.8% FX mortg. EB * 0.2%PLN mortgages 46.1% cash loans 22.9% other retail 6.8% +0.4% y/y without FX mortg. loans Loan growth driven by consumer and corporate loans. Corporate portfolio up 12% y/y, consumer loans +3% y/y despite high rotation. Deposits up 12% y/y. Strong growth momentum in investment products (+35% y/y). Millennium TFI’s AuM >PLN10bn.
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55,458 57,541 59,505 61,484 63,482 29,072 30,026 30,843 29,783 30,696 10,559 11,073 11,971 13,037 14,23495,089 98,639 102,319 104,303 108,412 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 Investment products Term deposits Current and saving accounts 20 Consumer loans sales slightly up, sales of mortgages rebounded. High growth of customer funds. (*) Loans originated by f. Euro Bank – covered by 100% indemnity and 80% guarantee agreement with SocGen (**) Disbursements; market share as % in value of total new agreements PLNmn Retail loans (gross) Retail customer funds Cash loans new sales R E TA I L B U S I N E S S – L O A N S A N D C U S T O M E R F U N D S PLN mortgage loans new sales (**) PLNmn PLNmn PLNmn 1,712 1,170 1,061 864 648 230 198 182 162 122 38,121 37,868 37,250 36,354 35,588 19,668 19,709 19,756 19,861 20,220 59,732 58,944 58,249 57,241 56,578 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 Consumer loans PLN mortgage FX mortgage EB* FX mortgage BM -7% -5% +3% +15% +35% +14% +6% -3% y/y without FX loans 1,665 1,644 1,682 1,430 1,133 789 577 1,088 4,756 2,454 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 1,510 1,489 1,977 1,954 1,592 1,779 1,766 1,864 5,420 5,410 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 7.4% 3.3% 10.5% 11.2%market sharemarket share 0%-48%
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Steady growth of new customers and accounts of ~35-40k clients per quarter. 21 Active retail clients* Active micro-business clients* Number of debit and credit cardsNumber of current accounts* thousand thousand thousand thousand R E TA I L B A N K I N G - N U M B E R O F C U S T O M E R S A N D A C C O U N T S 133 137 142 146 151 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 3,098 3,126 3,163 3,193 3,234 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 +18 +136 +41 3,732 3,807 3,872 3,937 4,001 1,672 1,654 1,628 1,617 1,603 752 830 918 990 1,070 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 Retail PLN C/A Konto 360 C/A Millennium 360 C/A 3,429 3,479 3,529 3,576 3,627 514 518 523 530 535 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 Debit cards Credit cards +270 +219 (*) Including the migration of c.a. 23,000 micro-business clients from retail segment to corporate segment in 1Q25. The previous periods’ data has been restated accordingly. +5
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22 High quality of digital customer experience enables the growth of the active user base * Individual and Microbusiness customers We consistently receive high ratings for mobile app in Google Play and App Store. Ratings in app stores 4.8/5 Customers highly rate our solutions in surveys they complete in digital channels after a successfully completed process. Average rating in surveys 3 million In September 2025, we reached over 3 million customers, who log in to mobile app and Millenet on regular basis. Active digital users Awards for digital channels Once again, we have been awarded the title of the best digital bank in Poland in the Global Finance magazine ranking. This year, we received awards in 9 retail categories. M O B I L E A P P A N D D I G I TA L U S E R S 3.02mn Active digital users* +6% y/y 2.82mn Active mobile users +9% y/y 2.12mn Mobile only users +8% y/y 4,8 4,8 70% Mobile only users in 3Q25 11% 10% 9% 9% 8% 7% 7% 30% 27% 25% 23% 24% 22% 23% 59% 63% 66% 68% 68% 71% 70% 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Use of digital channels Millenet only Mobile & Millenet Mobile only
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23 In September, we reached 2 milion customers who make e-commerce transactions. As much as 80% of our customers make their shopping online. E-commerce users BLIK users in 3Q25 P2P transfers in 3Q25 Good Start 300+ applications 2mn 2.18mn 18.6mn 260 ths. This quarter, we recorded a 10% increase compared to the same period last year. 78% of active mobile app users use BLIK services.. This quarter, we recorded a 14% increase compared to the same period last year. 63% of active mobile app users send transfer to mobile number. Our customers submitted applications for school kit for over 360k children, which gives us a 12.4% market share among banks. Last year, customers submitted 244k applications during the full application period. D I G I TA L A D O P T I O N Convenience, mobility, and security are key drivers in the adoption of digital solutions, contributing to the increasing volume of mobile and online transactions We care about our customers' digital experience even in difficult situations. When we detect a suspicious transaction, we temporarily block access to digital channels to protect the customer's money and data. However, the customer can still log in to the app and check their balance, maintaining control over their finances even in difficult times. Full control in every situation Digital experience 23
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Transformation of banking, based on omnichannel approach to customer service D I G I TA L S A L E S Digital share in cash loan sales in 3Q25 88% Digital share in credit card sales in 3Q25 84% Digital share in term deposit sales in 3Q25 95% Digital share in current account acquisition in 3Q25 56% Digital share in junior account acquisition in 3Q25 77% Customers expect not only online services to be available 24/7, but also personalised, intuitive and integrated with their everyday lives. We design processes meeting the needs of our customers, including human support, also in mobile app. We launched the new version of the savings account with goals (Konto Oszczędnościowe Twój Cel) in the mobile app. Since July, customers have set up over 13,000 saving goals. As many as 73% of customers have set up automatic payments to save for their goals on regular basis. 24
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25 Digitalisation in suport of omnichannel approach 30% customer requests handled by AI-based solutions We build seamless customer experience in all contact channels. Our mobile-first strategy includes full support from consultants in branches and contact centres, and provides best customer experience through a contact panel on digital processes as well as AI solutions. Consistent experience The digitalisation of services changes the approach to customer service in branches. Customers use digital channels for everyday transactions and simple requests, resulting in shorter queues in branches, and more time for bank employees to examine and address customer needs. Changes in branch service The digitalisation of processes and services responds to changes in customer habits, but also allows us to create them. Already, over 27% of transactions at branches are confirmed by customers using mobile authorisation in the app, instead of signing a printout, which allows us to reduce the amount of paper used in branches. Paper-less D I G I TA L T R A N S F O R M AT I O N 586k Orders authorised at branches via mobile app in 3Q25
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Development of the goodie platform and intensification of promotional activities G O O D I E – B A N K ’ S S M A R T S H O P P I N G P L AT F O R M 25% Number of transactions made through the goodie cashback service Increase y/y Transaction values made through goodie cashback Increase y/y 29% 4,64,2 4,1 Onboarding new stores to the comparison engine Development of the price comparison 26
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17,755 19,179 18,370 18,278 19,845 11,696 10,512 10,718 12,190 14,163 29,451 29,690 29,088 30,468 34,008 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 Term deposits Current accounts Strong momentum in companies funding. Loans up 12% y/y, total deposits up 16% y/y, C/As up 12% y/y. 27 PLNmn Loans to companies (gross) Companies' deposits C O M PA N I E S B U S I N E S S – D E P O S I T S A N D L O A N S PLNmn ’’ • Loan portfolio maintains uptrend and grew 12% y/y and 6% q/q. Origination of companies loans accererated to 15% q/q in 3Q25 with share of investment loans at 42% • Companies’ deposits grew 5% q/q and 16% y/y with term deposits strongly up in the quarter and much accelerating growth in C/A balances. • Some slowdown in transaction activity with strong growth in factoring business. +11% +12% +4% +12% +16% +21% 8,795 8,744 9,167 9,641 10,463 7,003 7,095 7,075 7,225 7,290 2,620 2,712 2,614 2,572 2,91718,418 18,551 18,856 19,438 20,670 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 Factoring Leasing Loans +6% +19% +5%
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Maintained growth in factoring and trade finance. Leasing contracts slightly lower. 28 C O M PA N I E S B U S I N E S S – L E A S I N G , F A C T O R I N G A N D T R A N S A C T I O N S PLNmn Leasing – new sales Factoring – turnover No. of domestic transfersVolume of guaranties and letters of credit PLNmn PLNmn thousand 1,013 963 1,035 870 999 945 2,862 2,814 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 6,183 6,368 7,110 6,540 7,158 7,349 19,002 21,048 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 2,747 2,684 2,756 2,800 2,797 2,759 8,252 8,355 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 -2% +11% +1% 9,701 9,534 10,146 9,467 9,532 9,304 28,890 28,302 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 -2%
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29 C O R P O R AT E B A N K I N G 96% 77% FX transactions concluded through the Millennium Forex Trader platform 86% guarantees were issued in the form of e-guarantees 37.5% of corporate customers use the mobile app 75% loan agreements signed electronically of customers use eBOK service to process leasing agreements In the eBOK service customers can submit any matter related to their agreement for online processing, and the service is integrated with the Bank's online banking. What's new for companies Convenience in making and handling payments and support in the energy transformation of companies Millenet Faktor The new factoring supporting system Multicurrency function allows customers to make payments directly from foreign currency accounts (14 currencies), without the need to convert currency. Modern, intuitive interface ensures efficient and convenient service improving user comfort. Expanded data scope ensures access to detailed information for every operation, thus facilitating their analyses and effective factoring process management. Energy audits with 90% co-financing Multicurrency VISA Executive debit card for companies Full control over foreign payments In effect of the signed cooperation agreement with the Employers of Poland, we have made available to customers an offer of co-funding for energy audits. Co-funding covers incurred costs for documentation and analyses needed to prepare energy efficiency projects. Housing Escrow Account We have streamlined the processes related to withdrawing funds from the account so that they are more convenient for customers. The changes include both automation and process simplifications. In addition, we promote digitalisation, which significantly improves and accelerates communication between the customer and the bank.
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Appendices 3Q25/9M25 results
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0 10 20 30 40 2020 2021 2022 2023 2024 2025F 2026F EU budget 2014-2020 EU budget 2021-2027 Recovery Plan Macroeconomic environment Data from the Polish economy* EU funds inflow to Poland EUR bn GDP growth rate in Poland and Eurozone Economic sentiment indicators in Poland pts ’’ Source: Bloomberg, Macrobond, Bank Millennium, F – forecast , E - estimates • The outlook for the Polish economy remains moderately optimistic. The Bank expects that in 4Q25, GDP growth will be higher than in 3Q25, reaching 3.7% y/y, with a greater contribution from corporate investments. For the entire 2025, the Bank estimates economic growth at 3.5% vs. 3.0% in 2024. • In 2026, GDP growth is expected to remain stable. A larger contribution to GDP growth will come from investments co-financed by EU cohesion policy funds and the National Recovery Plan (KPO). Consumption will continue to provide support, although its growth rate will weaken due to slower wage growth. The weak recovery in the euro area will continue to limit Poland’s growth potential. % y/y ’’ • The Polish economy in 3Q25 demonstrated resilience to changing conditions in international trade. According to the Bank’s estimates, GDP growth in 3Q25 amounted to 3.5% y/y, compared to 3.3% y/y in the previous quarter. The main driver of growth was private consumption, supported by rising household incomes and improving consumer sentiment. • Growth was, however, constrained by weak investment activity, which can be attributed to the initial phase of implementing projects co- financed by EU funds. Additionally, net exports did not provide support, being negatively affected by weak demand from the euro area. % y/y 1.9 -3.2 3.9 -10 -5 0 5 10 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Industrial output Construction output Retail sales 40 60 80 100 120 -50 -40 -30 -20 -10 0 10 4Q20 2Q21 4Q21 2Q22 4Q22 2Q23 4Q23 2Q24 4Q24 2Q25 Consumer confidence (LHS) Business tendency synthetic indicator (RHS) 3.5 1.1 -1 0 1 2 3 4 Poland Eurozone * for 3Q 2025 – average from July and August M A C R O E C O N O M I C O V E R V I E W
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Macroeconomic environment Unemployment rate and wage dynamics Forecasts ’’ Source: Macrobond, Ministry of Finance, Bank Millennnium, F- forecast % ’’ • 3Q25 also marked a period of crystallizing changes in global trade policy. This factor remains a significant source of risk for the global economy. At the same time, other risk factors are gaining importance, including fiscal policy and the geopolitical situation. • In Aug’25, the draft budget for 2026 was presented, assuming general govt. deficit of 6.9% of GDP in 2025 and 6.5% of GDP in 2026. Fiscal policy remains accommodative, and the prospects for consolidation are limited by the electoral calendar. Fitch and Moody’s agencies downgraded Poland’s rating outlook to negative, although the ratings themselves remain unchanged. • Year to date, labour demand remains subdued compared to 2021–2023. Combined with lower inflation this translates into a slower pace of wage growth. Unemployment remains stable, although the registered unemployment rate slightly increased in 3Q25, mainly due to methodological changes. • In 3Q25, the CPI stood at 3.0% y/y, down from 4.1% y/y in 2Q25 returning to the admissible deviation range from the NBP’s inflation target. Core inflation also declined – to 3.2% y/y. Under these conditions, the MPC lowered the NBP’s main interest rate in 3Q25 by a total of 75 basis points to 4.50%. 2024 2025F 2026F GDP % 3.0 3.5 3.6 Individual consumption % 3.0 3.9 3.3 Investments % -0.9 4.4 9.0 Unemployment rate % eop 5.1 5.6 5.5 Inflation % 3.6 3.8 3.1 Reference rate % eop 5.75 4.50 3.50 EURPLN eop 4.27 4.28 4.35 USDPLN eop 4.10 3.62 3.69 0 5 10 15 4 5 6 7 Registered unemployment rate (left axis) Wages in the national economy (y/y, right axis) % GDP Deficit of the general govt. sector -8 -6 -4 -2 0 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025F 2026F Inflation in Poland % y/y 3.0 3.0 3.13.2 3.2 3.1 0 3 6 9 12 15 CPI Core CPI M A C R O E C O N O M I C O V E R V I E W
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Macroeconomic environment FX evolution PLN swap curve % % Yields of Polish bonds WIBOR 3M and market expectations ’’ Source: Macrobond, LSEG Datastream, Bank Millennnium ’’ • In 3Q25 the MPC cut interest rates by 50 bp similarly to 2Q25, which was in line with market expectations. MPC cut rates in July and September, followed by another cut in October, brining the main rate to 4.50%. Swap rates declined by 5-45 bp with larger declines for short maturities and bond curve change was similar resulting in a gradual curve steepening. The bank assumes stable rates by the end of 2025 and to 3.50% by the end of 2026. Expansive fiscal policy and low unemployment may limit the scale of cuts. The market is currently pricing in only partly 25 bps of interest rate cuts by year-end. • In 3Q25, the zloty exchange rate vs. the euro was relatively stable in range 4.235-4.285. The EURPLN rate increased to 4.26 from 4.24. The q/q change of the EURUSD exchange rate was marginal as it closed the quarter above 1.17 staying in range 1.142- 1.19 throughout the quarter. The dollar weakened on dovish expectations on US rates followed by dollar recovery after less hawkish communication the US central bank. US government shutdown did not significantly affect the markets. The zloty was not affected by downgrade of rating outlook to negative by the Fitch (A-) and Moody’s (A2). % 3.8 4.0 4.2 4.4 4.6 4.8 5.0 5.2 Jan'20 Apr'20 Jul'20 Oct'20 Jan'21 Apr'21 Jul'21 Oct'21 Jan'22 Apr'22 Jul'22 Oct'22 Jan'23 Apr'23 Jul'23 Oct'23 Jan'24 Apr'24 Jul'24 Oct'24 Jan'25 Apr'25 Jul'25 Oct'25 EUR/PLN CHF/PLN 2 3 4 5 6 7 8 9 Feb'22 Apr'22 Jun'22 Aug'22 Oct'22 Dec'22 Feb'23 Apr'23 Jun'23 Aug'23 Oct'23 Dec'23 Feb'24 Apr'24 Jun'24 Aug'24 Oct'24 Dec'24 Feb'25 Apr'25 Jun'25 Aug'25 Oct'25 2Y 5Y 10Y Reference rate 3.88 4.62 0 1 2 3 4 5 6 7 8 Dec'19 Apr'20 Aug'20 Dec'20 Apr'21 Aug'21 Dec'21 Apr'22 Aug'22 Dec'22 Apr'23 Aug'23 Dec'23 Apr'24 Aug'24 Dec'24 Apr'25 Aug'25 Dec'25 Apr'26 Aug'26 WIBOR 3M 8-Oct-25 31-Dec-24 4.75 -150 -100 -50 0 3.5 4.0 4.5 5.0 5.5 6.0 1Y 2Y 3Y 4Y 5Y 6Y 7Y 8Y 9Y 10Y IRSQ change (bp) - rhs YtD 8-Oct-25 30-Sep-25 30-Jun-25 M A C R O E C O N O M I C O V E R V I E W
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Macroeconomic environment Growth rate of deposits and loans* Newly granted loans PLN bn % y/y Growth rate of deposits* Newly granted loans to households ’’ Source: Macrobond, Bank Millennnium % y/y ’’ • Amid falling NBP interest rates and improving consumer sentiment, July–August 2025 recorded a rise in newly issued household loans, primarily for housing and, to a lesser extent, for consumption. The value of new housing loans during this period was 41.6% higher than a year earlier. Meanwhile, the value of new loans to non- financial corporations remained similar to 2Q25. The total value of new loans in July- August 2025 was 20.1% higher than in the same period last year. • Positive real interest rates supported continued dynamic growth in bank sector deposits in 3Q25. As of August, the value of deposits was PLN 31.3 billion higher than at the end of June, representing a 10.5% y/y increase. This growth was related to both households’ and non-financial corporations’ deposits. The double-digit growth in corporate deposits supports the high liquidity of the sector. • In 3Q25, the growth rate of loan volumes slightly accelerated. At the end of Aug’25, it stood at 5.1% y/y, compared to 4.7% in Jun’25. The main source of growth remains the non-financial corporate sector. PLN bn 10.5 9.2 11.8 -3 0 3 6 9 12 15 Total Households NFC 10.5 5.1 -3 0 3 6 9 12 Deposits Loans 21.3 13.3 0 5 10 15 20 25 Households NFC 11.0 8.5 0 2 4 6 8 10 12 14 Consumer loans Housing loans * for 3Q 2025 – data for August M A C R O E C O N O M I C O V E R V I E W
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35 Bank Millennium’s shares gained 62% ytd R AT I N G S A N D M A R K E T R AT I O S Bank Millennium’s share performance vs. WIG Banks index(9M25) 50.1% 9.3% 9.0% 5.4% 26.2% BCP Nationale-Nederlanden OFE (Pension Fund) Allianz Polska OFE (Pension Fund) PZU „Złota Jesień" OFE (Pension Fund) Remaining free float Bank Millennium shareholders’ structure (31.12.2024) +62% +33% No of shares: 1 213 116 777 (listed 1 213 008 137) Listed: on Warsaw Stock Exchange since August 1992 Index: WIG, mWIG40, WIG Banks, MSCI Poland Tickers: ISIN PLBIG0000016, Bloomberg MIL PW, Reuters MILP.WA 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 30-Dec-24 30-Jan-25 28-Feb-25 31-Mar-25 30-Apr-25 31-May-25 30-Jun-25 31-Jul-25 31-Aug-25 30-Sep-25 35 On April 10, 2025, Moody’s rating agency (‘Moody’s’) upgraded the Bank’s long- and short-term deposit ratings to Baa2/P-2 from Baa3/P-3 and maintained the positive outlook on the long term deposit ratings. Additionally, Moody’s upgraded the Bank’s Baseline Credit Assessment (BCA) to ba2 from ba3, its Adjusted BCA to ba1 from ba2, its junior senior unsecured (also referred to as “senior non-preferred”) bond and MTN programme ratings to Ba1 and (P)Ba1 respectively from Ba2/(P)Ba2, its long-term Counterparty Risk Ratings (CRR) to Baa1 from Baa2 and its long-term Counterparty Risk (CR) Assessment to Baa1(cr) from Baa2(cr). The Bank’s short-term CRRs and CR Assessment were affirmed at P-2 and P- 2(cr). On May 28, 2025, Fitch Ratings (‘Fitch’) upgraded the Bank’s Long-Term Foreign- Currency Issuer Default Rating (LT IDR) and Long-Term Local Currency IDR (LC LT IDR) to 'BBB-' from BB+ and changed the outlook for these ratings to ‘stable’. Additionally, Fitch upgraded the Viability Rating (VR) for the Bank to ‘bbb-’ from ‘bb+’ and upgraded the rating for the senior non-preferred bonds issued by the Bank to ‘BBB-’ from ‘bb+’ The Bank’s corporate ratings, at the date of this presentation, were as follows: Ratings of Bank Millennium Long term deposit (LTR) / Issuer Default (IDR) Baa2 BBB- Rating outlook LTR positive outlook Stable outlook Short term IDR Prime-2 F3 Standalone BCA/Adj. BCA ba2/ba1 Viability bbb- CR rating Baa2/Prime-2 Shareholder support rating (SSR) b+ SNP MREL bonds Ba1 BBB- Bank Millennium’s ratings Moody’s Fitch
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36 ESG activities Bank Millennium has enhanced its existing ESG data collection process for selected transactions by implementing a convenient and efficient digital solution available through electronic banking. The new process enables the assessment of whether a transaction or a client’s activity is sustainable and allows for the analysis of the client’s exposure to ESG risks. The process operates based on specially designed decision-making mechanisms. Financing sustainable investments Bank Millennium has established cooperation with Employers of Poland as part of the Energy of Employers of Poland project. It is implemented using the ELENA program, which allows entrepreneurs to obtain funding for up to 90% of the costs of preparing technical documentation for investments increasing energy efficiency. Establishing cooperation with Employers of Poland The Millennium SFIO Active Plan Fund has been recognised as the best sustainable fund promoting sustainability. The award was presented at the POLSIF Awards gala by the organiser of the competition – the POLSIF Association (Sustainable Investment Forum Poland). The POLSIF Awards is the first industry award in Poland entirely dedicated to sustainable finance. Millennium TFI wins the award for the best sustainable investment fund Bank Millennium expanded its offer for companies with the Loan for development, without the need to specify the purpose of the funds. In addition, companies whose activities will be classified by the Bank as ‘green’ will not pay an origination fee on the loan granted. Loan for Company Development In July, Bank Millennium introduced the Your Goal Savings Account, which not only enables convenient and automatic saving towards a specific goal, but also helps build the habit of saving. Customers who save regularly will receive a higher interest rate. Bank Millennium promotes regular savings and provides a new savings account The 8th edition of the Family Business Forum has started – a joint initiative of Forbes magazine and Bank Millennium. It is a cyclical event bringing together family businesses - a forum for debates and meetings, providing opportunities to build business relationships, gain new partners and distinguish the best family businesses across different regions of Poland. Bank Millennium has been the strategic partner of the Family Business Forum since 2018. The 8th Edition of Forbes Family Business Forum has started
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37 The most important awards and achievements of Bank Millennium in 3Q25 The Bank was awarded the title of Best Bank in Poland for 2025. The annual Global Finance Awards honour financial institutions that prioritize customer needs, stand out for the breadth of their offerings, long-term stability, and technological innovation. Bank Millennium is the best Digital Bank by Global Finance magazine Euromoney Award Bank Millennium has been recognized as Poland’s Best Digital Bank by Euromoney. The Bank received the title of Poland's Best Digital Bank for Consumers in the magazine’s prestigious Awards for Excellence competition. Bank Millennium on the ESG Ranking podium Bank Millennium secured 2nd place in the 'ESG Ranking: Responsible Management 2025' in the Governance category, which evaluates ethical business practices. This marks an advancement from last year’s 3rd place and further strengthens the Bank’s position as one of the market leaders in this area. Award for Best Sustainable Fund Millennium SFIO Plan Aktywny Fund recognized as the Best Sustainable Fund promoting ESG principles at the POLSIF Awards. The fund consistently incorporates environmental, social, and governance (ESG) factors into its investment strategy. AW A R D S
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38 (*) Cost of risk includes impairment provisions (on all stages), FV adjustment on loans, result on modification and provisions for non-financial assets P&L in brief [PLNmn] F I N A N C I A L P E R F O R M A N C E 9M24 9M25 Change Y/YY 2Q25 3Q25 Change Q/Q Net interest income 4,025 4,318 7% 1,448 1,446 0% Net commission income 589 575 -2% 188 204 9% Other non-interest income 177 273 54% 112 99 -12% Operating income 4,791 5,165 8% 1,749 1,749 0% General and administrative costs -1,489 -1,730 16% -547 -572 4% Depreciation -167 -167 0% -55 -55 1% Total operating costs -1,656 -1,897 15% -602 -627 4% Net cost of risk* -307 -194 -37% 6 -113 - FX-mortgage legal risk costs -1,656 -1,503 -9% -574 -485 -16% Operating profit 697 1,505 116% 564 524 -7% Banking tax -134 -301 - -101 -101 0% Pre-tax profit 564 1,204 114% 463 424 -9% Income tax -17 -349 - -132 -79 -40% Net profit 547 855 56% 331 345 4%
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30.09.2024 31.12.2024 30.09.2025 Change Y/Y Cash and balances with the Central Bank 7,092 5 179 4,941 -30% Loans and advances to banks 418 435 499 19% Loans and advances to customers 75,524 74 975 74,729 -1% Amounts due from reverse repo trans. 216 194 583 170% Debt securities 48,268 54 207 67,774 40% Derivatives (for hedging and trading) 458 256 190 -59% Shares and other financial instruments 166 147 233 40% Tangible and intangible fixed assets 1,060 1 067 1,132 7% Other assets 2,404 2 494 2,606 8% Total assets 135,607 138 954 152,686 13% 39 Balance sheet in brief [PLNmn] Deposits and loans from banks 223 204 193 -14% Deposits from customers 113,981 117 257 128,186 12% Liabilities from repo transactions 216 194 133 -39% Financial liabilities at fair value through P&L and hedging derivatives 757 519 788 4% Liabilities from securities issued 5,594 6 125 6,764 21% Provisions 2,823 2 952 3,600 28% Subordinated liabilities 1,560 1 562 1,556 0% Other liabilities 2,808 2 369 2,658 -5% Total liabilities 127,962 131 182 143,878 12% Total equity 7,645 7 772 8,808 15% Total liabilities and equity 135,607 138 954 152,686 13% F I N A N C I A L P E R F O R M A N C E ASSETS LIABILITIES AND EQUITY
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40 Investor relations contact Next events: 4Q25 results – date TBA Head of Investor Relations Dariusz Górski +48 22 598 1115 +48 514 509 925 dariusz.gorski@bankmillennium.pl tel. mob. e-mail Investor Relations Katarzyna Stawinoga +48 22 598 1110 katarzyna.stawinoga@bankmillennium.pl tel. e-mail Investor Relations Marek Miśków +48 22 598 1116 marek.miskow@bankmillennium.pl tel. e-mail Follow us: www.bankmillennium.pl Kanał na YouTube @BankMillennium