Slides
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Bank Millennium Group 2Q26/1H26 results July 28, 2026
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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 that presented in reported financial statements. In its 6M25 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 recognised 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’). In the financial year ended 31 December 2025, the Bank introduced a change in the method of calculating the effective interest rate (EIR) applied to the measurement of mortgage loans with periodically fixed interest rates. The purpose of the introduced change was to ensure a better reflection of the economic substance of the transactions and to enhance consistency between the accounting approach and the interest rate risk management framework, as well as the methodologies applied within the BCP Group 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.
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Agenda Business development 17 Financial performance 6 Appendices 30
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4 Main business achievements in 1H26 – strong business momentum MAIN COMMERCIAL HIGHLIGHTSBUSINESS VOLUMES EVOLUTION • Total deposits grew 16% y/y • Total net loans grew by 10% y/y to record level of >PLN81bn • Consumer loans grew 5% y/y • Corporate financing grew 32% y/y (loans up 41% y/y) • Leasing portfolio grew 8% y/y • Growth of investment funds portfolio by 27% y/y • Loans to deposit ratio < 58% • Active retail clients of 3,354 ths; net ytd growth at 83 ths; 94% customers are digitally active Origination in 1H26: • Cash loans PLN4.2bn (+18% y/y) • Mortgage loans PLN5.2bn (+282% y/y) • Corporate loans PLN6.5bn (+77% y/y) • Leasing PLN2.3bn (+21% y/y) • Factoring turnover PLN17.1bn (+25% y/y) Strong dynamics in corporate lending, robust growth in consumer loan origination and rapidly accelerating mortgage production. Customer funds and customer acquisition maintained their upward momentum. B U S I N E S S P E R F O R M A N C E
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5 2024 2028 TARGET 2Q26 RETAIL PRIMARY CLIENTS 60.7% ~70% 62.1% [%] RETAIL ACTIVE CLIENTS 3.13 >3.7 3.35 [M] RETAIL DIGITAL ACTIVE CLIENTS 92.9% >95% 94.2% [%] CORPORATE LOANS VOLUME 14.6 >25 20.4 [PLN B] BUSINESS ACTIVE CLIENTS 38.0 >50 39.5 [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% 14.5** [%] COST/ INCOME 37.6% ~37% 38.2%** [%] TIER1 14.8% ~15% 16.1% [%] NON- PERFORMING LOANS 4.5% <4% 3.4% [%] FINANCIAL & RISK GOALS DIVIDEND PAYMENT 2026 2028 2024 2028 2024 [Y/N] [Y/N] NO NO (*) 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 2026 TOP EMPLOYER Strategy 25-28 | “Value and Growth” strategy execution progress across key business areas following 1H26
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Financial performance 2Q26/1H26 results
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7 Main financial achievements in 1H26 CAPITAL, MREL & LIQUIDITYPROFITABILITY • 1H26 reported net result: PLN708mn (+39% y/y) • ROE at 14.5% (BFG adjusted) in 1H26, reported at 13.6% • Resilient NII despite lower interest rates (down only 3% y/y). NIM at 3.54%, down 64bps y/y against 175bps drop of 3M WIBOR • High and well diversified fee growth (+11% y/y) • Cost of credit risk (annualised) at the low level of 34 bps • NPL ratio at new all-time low of 3.4% • Very solid capital position. Consolidated TCR at 17.1% and Tier 1 ratio at 16.1%. Buffers over regulatory requirements at 5.3 p.p. and 6.3 p.p respectively. EUR500mn T2 bonds issued in May’26 still pending regulator’s approval to include to regulatory capital • Solid buffers over MREL requirements (MREL trea surplus at 6.8 p.p., MREL tem at 3.0 p.p.) • LTFR at 38%, well above new YE26 requirement of 20% • Loan-to-deposit ratio <58% Reported net profit grew 39% y/y in 1H26. 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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[PLNmn unless otherwise stated] 1H25 1H26 Change Y/Y 2Q25 1Q26 2Q26 Change Y/Y Change Q/Q Net interest income 2 872 2 777 -3% 1 448 1 390 1 387 -4% 0% Net commission income 371 412 11% 188 205 207 10% 1% Total operating income 3 416 3 308 -3% 1 749 1 666 1 642 -6% -1% Total costs -1 270 -1 386 9% -602 -746 -640 6% -14% Costs without BFG -1 157 -1 269 10% -584 -629 -640 10% 2% Loan loss provisions -80 -141 76% 6 -90 -51 - -43% FX mortg. costs -1 085 -406 -63% -589 -226 -180 -69% -20% Banking tax on assets -200 -205 3% -101 -102 -102 1% 0% Pre-tax profit 781 1 171 50% 463 502 668 44% 33% CIT -270 -462 71% -132 -202 -261 98% 29% Net profit 511 708 39% 331 301 408 23% 35% Net profit adjusted* 1 603 1 211 -24% 886 514 697 -21% 36% NIM 4.18% 3.54% -0.64pp 4.13% 3.65% 3.43% -0.70pp -0.23pp Cost/income reported 37.2% 41.9% 4.7pp 34.4% 44.8% 39.0% 4.6pp -5.8pp Cost/income adjusted** 34.1% 38.2% 4.1pp 33.9% 39.1% 37.4% 3.5pp -1.6pp Cost of credit risk (bp) 21 34 13pp -3 45 24 28pp -20pp ROE 12.8% 13.6% 0.7pp 16.3% 12.1% 14.8% -1.5pp 2.7pp ROE adjusted** 13.8% 14.5% 0.7pp 15.2% 15.2% 13.8% -1.5pp -1.4pp Key profit & loss items 8 (*) Extraordinary items: FX-mortgage related costs and consumer loan related costs (**) With linear BFG resolution fund fee charge F I N A N C I A L P E R F O R M A N C E -3% 11% -63% 39% 0% -43% 35% -1.6pp 14.5%
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9 Other key indicators F I N A N C I A L P E R F O R M A N C E (*) Long-term funding ratio – according to new formula announced by PFSA in July’26 (**) Coverage ratio = credit risk provisions / impaired loans [PLNmn unless otherwise stated] Jun'25 Jun'26 Change Y/Y Dec'25 Mar'26 Change Q/Q Change YTD Active customers (ths) 3 193 3 354 160 3 270 3 313 41 83 inc. on-line and mobile 2 968 3 160 192 3 065 3 132 28 95 Customer Funds 134 771 157 369 17% 146 274 150 497 5% 8% Deposits 121 734 140 757 16% 130 807 134 806 4% 8% Deposits of individuals 91 266 107 096 17% 98 379 101 960 5% 9% Loans 74 112 81 198 10% 76 416 78 249 4% 6% FX Mortgage Loans excl. EB 829 507 -39% 615 532 -5% -18% Loans without FX mortgage 73 132 80 614 10% 75 702 77 636 4% 6% L/D 60.9% 57.7% -3.2pp 58.4% 58.0% -0.4pp -0.7pp LTFR* - 37.5% - 26.8% 31.7% 5.8pp 10.7pp Impaired loan ratio 4.2% 3.4% -0.8pp 3.8% 3.7% -0.2pp -0.4pp Coverage ratio** 75.9% 82.2% 6.3pp 78.9% 81.6% 0.5pp 3.2pp CET1 13.8% 13.6% -0.2pp 13.7% 13.8% -0.2pp -0.1pp T1 13.8% 16.1% 2.3pp 13.7% 16.4% -0.3pp 2.4pp TCR 15.6% 17.1% 1.5pp 15.1% 17.6% -0.5pp 2.0pp MREL TREA 25.3% 25.9% 0.6pp 24.5% 26.7% -0.8pp 1.3pp MREL TEM 8.6% 8.9% 0.3pp 8.3% 9.2% -0.3pp 0.6pp 17% 192 10% 3.4% 82.2% 16.1% 37.5% 4% 41
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10 (PLNmn) Net profit reported and w/o extraordinary* items ROE reported Operating income w/o extraordinary items* Operating expenses (reported) (*) without FX-mortgage portfolio related costs (legal risk provisions, costs of settlements and legal costs) where applicable and without other significant positive and negative extraordinary items (e.g. cost of credit holidays in 2024, with hypothetical bank tax until May’24 and consumer portfolio related costs in 2Q26 ) (PLNmn) (PLN million) 796 904 718 886 743 875 514 697 1,603 1,211 190 173 179 331 345 347 301 408 511 708 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 Net profit without extraordinary/one-off items Reported net result +39% F I N A N C I A L H I G H L I G H T S O F 2 Q 2 6 / 1 H 2 6 1H26 reported net profit of PLN708mn (+39% y/y) Reported ROE of 13.6% in 1H26 (14.8% in 2Q26) -24% +6% -2% 10.1% 9.0% 9.2% 16.3% 16.2% 15.5% 12.1% 14.8% 12.8% 13.6% 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 +9% 1,485 1,496 1,452 1,459 1,453 1,439 1,390 1,422 2,911 2,813199 188 183 188 204 200 205 207 371 412 77 92 57 103 30 96 40 105 160 146 1,761 1,776 1,691 1,750 1,688 1,736 1,636 1,735 3,442 3,370 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 NII Net fees Other -1% 303 310 322 347 339 349 357 360 669 717250 287 252 237 270 292 272 280 489 552 94 18 18 19 117 113 117 553 596 668 602 627 659 746 640 1,270 1,386 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 BFG cost Other administrative cost Personnel cost
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1,445 1,460 1,423 1,448 1,446 1,438 1,390 1,387 2,872 2,777 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 0% Resilient NII (only 3% down y/y) in a lower interest rate environment, amid margin pressure NIM trending down but much slower than the respective 3M WIBOR decline, and partially offset by volumes growth. Fees growing 11% y/y in 1H26. 11(*) without cost of credit holidays and its adjustments: 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 199 188 183 188 204 200 205 207 371 412 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 +1% 8.09% 8.09% 8.02% 7.86% 7.46% 7.18% 6.80% 6.57% 2.26% 2.20% 2.24% 2.18% 2.06% 1.95% 1.78% 1.72% 4.39% 4.37% 4.23% 4.13% 3.95% 3.78% 3.65% 3.43% 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Interest on loans Interest of deposits Net interest margin 42 40 40 40 43 36 34 33 40 44 44 35 35 42 45 45 30 32 34 36 39 41 45 44 49 52 56 60 64 57 56 61 38 21 9 17 23 23 25 25 199 188 183 188 204 200 205 207 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Insurance Cards Investment products & capital markets Loans Accounts service & other PLNmn Net fees +11% -3% +1% +10%
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12 Deceleration of operating costs growth to +9% y/y Cost growth of 9% y/y, including slowdown in staff costs: +7% y/y. C/I adjusted at 38.2%. (*) without FX-mortgage portfolio related costs (legal risk provisions, costs of settlements and legal costs) where applicable and without other significant positive and negative extraordinary items (e.g. cost of credit holidays in 2024, and consumer portfolio related costs in 2Q26, with linear distribution of BFG resolution fund fees PLNmn Operating cost Employees Distribution network E F F I C I E N C Y 360 353 353 352 349 241 239 237 239 236 601 592 590 591 585 2Q25 3Q25 4Q25 1Q26 2Q26 Own Partners' outlets -16 6,786 6,824 6,906 6,885 6,842 6,509 6,548 6,621 6,598 6,534 2Q25 3Q25 4Q25 1Q26 2Q26 Employees (FTE) Headcount w/o long-term leavesCost/income adjusted* 38.2%34.1% +7% +9% +13% 303 310 322 347 339 349 357 360 669 717 250 287 252 237 270 292 272 280 489 552 94 18 18 19 117 113 117 553 596 668 602 627 659 746 640 1,270 1,386 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 BFG cost Other administrative cost Personnel cost +6%
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13 Strong credit quality, with NPL ratio at new all-time low of 3.4% CoR at still low level of 34bps in 1H26, supported by NPL sales. Further increase in the coverage ratio of impaired loans by provisions. Note: quarterly risk charge in PLNmn also includes charges for non-financial assets presented in companies segment * Pre-tax impact Coverage ratio Result from NPLs sale* A S S E T Q U A L I T Y PLNmn 74 86 79 70 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 4.5% 4.2% 4.2% 3.8% 3.7% 3.4% 2.3% 2.3% 2.2% 2.0% 2.0% 1.9% 8.3% 7.5% 7.7% 6.7% 7.0% 6.4% 4.4% 4.1% 3.7% 3.5% 2.7% 2.7% 31/03/2530/06/2530/09/2531/12/2531/03/2630/06/26 Total loans Mortgage Consumer l. Companies bps Cost of risk PLNmn 74 6 21 76% 50 29 34 82% Total loans Retail Companies Impaired loans (stage 3 & POCI) +76% 4.5% 4.2% 4.2% 3.8% 3.7% 3.4% 7.9% 8.2% 8.3% 8.2% 8.3% 7.9% 31/03/2530/06/2530/09/2531/12/2531/03/2630/06/26 Stage 3 Stage 2 Share of stage 2&3 loans 74.0% 75.9% 78.0% 78.9% 81.6% 82.2% 31/03/2530/06/2530/09/2531/12/2531/03/2630/06/26 Impaired loans coverage ratio (%) 75 -28 66 -47 65 16 69 17 19 86 41 32 20 41 48 41 20 34 61 54 117 3 86 -6 113 57 90 51 80 141 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 Companies and other Retail
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Capital adequacy ratios at comfortable surplus. Impact of new T2 issue still pending. Note: until end of 2025, actual CET1 was equal to T1 ratio Group capital ratios Capital requirement vs. actual ratios on June 30, 2026 (Group) C A P I TA L R AT I O S 17.9% 17.2% 17.3% 15.6% 15.9% 15.1% 17.6% 17.1% 15.3% 14.8% 15.2% 13.8% 14.3% 13.7% 16.4% 16.1% 13.8% 13.6% 12.2% 12.2% 10.8% 10.8% 11.8% 11.8% 11.8% 11.8% 9.85% 9.85% 8.75% 8.75% 9.75% 9.75% 9.75% 9.75% 8.1% 8.1% 7.3% 7.3% 8.3% 8.3% 8.3% 8.3% 30/09/2024 31/12/2024 31/03/2025 30/06/2025 30/09/2025 31/12/2025 31/03/2026 30/06/2026 TCR T1 CET1 min. regulatory TCR min. regulatory T1 min regulatory CET1 Surplus 5.3 p.p.Surplus 5.3 p.p. Key points Consolidated T1 ratio evolution in 1H26 • Capital ratios eased in 2Q26 (consolidated TCR at 17.1%, T1 at 16.1%) as strong growth in lending is feeding through higher RWAs. Core capital saw an improvement owing to higher valuation of bond portfolio. EUR500mn T2 issue is still pending regulator’s approval into regulatory capital. • Capital buffers remained solid. Surplus at consolidated T1 level stood at 6.3 p.p. and 5.3 p.p. at TCR still more than comfortable and sufficient to accommodate strong growth of RWAs and the 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% 13.6% 1.0% 16.1% 1.0% 17.1% 8.3% 9.8% 11.8% CET1 requir. BM CET1 T1 requir. BM T1 TCR requir. BM TCR OSII buffer Capital conserv. buffer Minimum 14 CCyB buffer OSII buffer Capital conserv. buffer Minimum Surplus 6.3 p.p. CET1 T1 TCR 13.68% 1.25% 2.73% 0.08% -1.73% 0.05% 16.06% Dec'25 2H25 net profit AT1 Reval. reserve RWA Other June'26
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15 Significant surplus of MREL and liquidity ratios (*) from January 1, 2027 MRELtem requirement will increase to 7.70%, (**) New definition of LTFR requirement introduced on July 24, 2026 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 ratios 365% 371% 418% 414% 374% 402% 417% 463% 66% 64% 62% 61% 58% 58% 58% 58% 36% 39% 41% 42% 44% 45% 44% 46% 188% 196% 201% 206% 206% 203% 208% 210% 30/09/24 31/12/24 31/03/25 30/06/25 30/09/25 31/12/25 31/03/26 30/06/26 LCR Loans/ Deposits Debt securities/ Total assets NSFR • Surplus of MREL ratios over the minimum requirements remains high at 6.8 p.p. (MREL trea) and 3.0 p.p. (MREL tem). • End of June’26 Long-term Funding Ratio at 38% (new definition), above end of Dec’26 new** recommended level of 20% and allowing comfortable management of the requirement by the Bank itself and Millennium Mortgage Bank (MBH) going forward. Near-term outlook 25.9% 19.1% 8.87% 5.91% MREL trea actual MREL trea req. MREL tem actual MREL tem req.* +6.8 p.p. +3.0 p.p.
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1,226 1,644 1,769 1,512 1,571 1,556 1,335 1,292 1,710 1,534 1,868 1,752 1,583 1,612 1,474 1,169 1,080 1,030 903 699 893 697 911 2,283 2,641 2,615 2,281 2,176 2,174 1,312 805 924 870 1,071 1,106 1,009 1,084 1,261 1,102 1,087 1,209 1,093 641 543 ~12.5k active individual court cases against BM (repaid ~31%) >31.5k amicable settlements to date # (*) Excluding f.Euro Bank; (**) the original value of loans granted was PLN18.3bn; (***) includes cases from class-action lawsuit FX-mortgage portfolio: legal risk cost (pre-tax) dropping 65% y/y. Outstanding legal provisions at PLN5.0bn. Over 31k settlements to date. Inflow of court cases slowing down. 16 Quarterly cost of provision against legal risk* PLNmn FX - M O R T G A G E R I S K FX-mortgage related costs (pre-tax) 223 55 113 130 380 512 460 452 662 451 467 447 478 821 715 673 620 507 518 470 483 411 509 394 487 190 156 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22 4Q22 2Q23 4Q23 2Q24 4Q24 2Q25 4Q25 2Q26 Outstanding provisions: PLN5.0bn Total provision cost to date: PLN11.8bn # 000s Portfolio of legacy FX-mortgage loans*New settlements and individual claims against Bank Millennium* 223 677 2,086 1,844 2,828 1,979 1,801 920 346 -62% 47 357 484 326 540 33 3325 74 131 269 545 245 174 64 116 155 48 40 223 750 2,517 2,459 3,540 3,219 2,128 1,167 410 2019 2020 2021 2022 2023 2024 2025 1H25 1H26 Legal risk provisions Settlements Legal costs Other -65% - 62% 31.6 16.0 13.5 2.5 40.4 104 Total Settled Final verdicts In court Remaining active Remaining repaid ** *** Active agreements (#): 10.8k (-14% q/q, -47% y/y)
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Business development 2Q26/1H26 results
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35,722 34,960 34,933 35,152 36,063 980 728 713 614 584 18,904 20,125 21,671 23,310 25,034 18,506 18,806 19,098 19,174 19,517 74,112 74,619 76,416 78,249 81,198 30/06/25 30/09/25 31/12/25 31/03/26 30/06/26 Consumer loans Loans to companies FX mortgage loans PLN mortgage loans 18 (*) 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)** +1% +5% +10% +32% PLNmn PLNmn +10% +16% 91,266 94,178 98,379 101,960 107,096 30,468 34,008 32,429 32,846 33,661 121,734 128,186 130,807 134,806 140,757 30/06/25 30/09/25 31/12/25 31/03/26 30/06/26 Companies Retail +17% 9,064 10,000 11,035 11,361 12,210 3,972 4,234 4,432 4,330 4,40213,037 14,234 15,467 15,691 16,612 30/06/25 30/09/25 31/12/25 31/03/26 30/06/26 3rd party products Millennium TFI mutual funds +35% +27% loans to companies & factoring 17.1% leasing 9.4% FX mortg. BM 0.6% FX mortg. EB* 0.1% PLN mortgages 43.7% cash loans 21.9% other retail 7.2% Loan growth driven by corporate and consumer loans Corporate portfolio’s growth (including leasing and factoring) accelerated to 32% y/y. Consumer loans +5% y/y. Deposits up 16% y/y. Millennium TFI’s AuM >PLN12bn.
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864 648 635 550 524 162 122 107 92 85 36,244 35,477 35,399 35,617 36,522 19,861 20,220 20,408 20,544 20,544 57,131 56,467 56,549 56,803 57,675 30/06/25 30/09/25 31/12/25 31/03/26 30/06/26 Consumer loans PLN mortgage FX mortgage EB* FX mortgage BM 1,430 1,133 789 577 1,088 1,717 2,204 3,015 1,366 5,219 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 61,484 63,482 68,365 71,657 76,220 29,783 30,696 30,014 30,303 30,87613,037 14,234 15,467 15,691 16,612104,303 108,412 113,846 117,651 123,708 30/06/25 30/09/25 31/12/25 31/03/26 30/06/26 Investment products Term deposits Current and saving accounts 19 Consumer loans sales up 18% y/y, mortgage sales up remarkably (~3x y/y). Deposit mix improving. (*) 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% +1% +3% +24% +27% +19% +4% +2% y/y without FX loans 2.6% 8.3% 11.9% 9.6%market sharemarket share +282% +18% 1,954 1,592 1,779 1,766 1,864 1,849 1,947 2,219 3,545 4,167 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26
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Strong and recurring quarterly growth of active customers (~40k) and accounts 20 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 146 151 156 161 164 30/06/25 30/09/25 31/12/25 31/03/26 30/06/26 3,193 3,234 3,270 3,313 3,354 30/06/25 30/09/25 31/12/25 31/03/26 30/06/26 +18+160 3,937 4,001 4,071 4,148 5,087 1,617 1,603 1,585 1,574 1,552 990 1,070 1,153 1,235 1,316 30/06/25 30/09/25 31/12/25 31/03/26 30/06/26 Retail PLN C/A Konto 360 C/A Millennium 360 C/A 3,576 3,627 3,677 3,734 3,780 530 535 540 546 553 Debit cards Credit cards +1,150 +228 (*) Including the migration of ca. 23,000 micro-business clients from retail segment to corporate segment in 1Q25. The previous periods’ data has been restated accordingly. +3+41
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21 * Individual customers and micro-entrepreneurs ** Share among customers active in digital channels. 80% active digital customers log in to the bank only via mobile app M O B I L E A P P & D I G I TA L U S E R S 4.8 4.8 • Institution of the Year 2026: Best Mobile App • Institution of the Year 2026: Best remote process of opening account • Mobile Trends Awards 2025: mobile app in the finals for its strategic launches, including saving goals, home insurance and eSIM card. • 3rd place Mobile Bank ranking by cashless.pl Dark Mode Even more convenient mobile banking 3.16mn Active Digital Users* +6% y/y 2.99mn Active Mobile App Users +8% y/y 2.52mn Active mobile only users +11% y/y 2.45mn BLIK users in 1H26 +21% y/y How customers use digital channels** 27% 17% 15% 63% 76% 80% 10% 7% 5% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 2Q24 2Q25 2026Q2 Mobile App & Millenet Mobile app only Millenet only 2Q26
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The omnichannel strategy supports the growing role of digital processes. Their increasing share can be observed particularly in customer acquisition D I G I TA L S A L E S & A C Q U I S I T I O N • Branch employees use the digital customer acquisition process while continuing to provide traditional support. • Enhanced customer data security in the selfie verification process through Onfido's Motion service. The new solution is faster and more intuitive for users, while also providing protection against AI-generated deep fake. • Launch of a remote business account opening process for citizens of the European Union and Ukraine. Supporting digital acquisition Digital share in cash loan sales in 1H26 88% Digital share in term deposit sales in 1H26 93% Digital share in current account acquisition in 1H26 71% Digital share in junior account acquisition in 1H26 88% +55% Current Accounts opened online in 2Q26 (y/y) 22
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Security and convenience 360° 23 83% Family 800+ applications submitted via mobile app. Customers sent 364,000 applications for the new benefit period via the bank’s channels, representing a 13.8% share of all applications submitted through banks. +44% Property insurance sales increase in June compared to May, supported by the introduction of a promotional offer with a 10% reduction in the insurance premium. W H AT ’ S N E W & D I G I TA L A D O P T I O N >5k Cards activated in the app A card in the mobile app with one-time details that refresh after every transaction. Convenience and payment security combined in one solution. The card has been available since June 23. Millennium Visa Raz A new travel insurance, launched in the mobile app with TU Europa since May. It offers attractive discounts, comprehensive coverage, and 24/7 access via the app. In June, sales increased by 51% (y/y). Travel Insurance A self-service transaction blocking feature available in the mobile app. Simple and intuitive, it allows customers to react quickly in case of a potential security threat. Launched in May. Panic button Millennium ID with QR code A new secure identity verification method for accessing public e-services. Customers logging in via a computer can quickly and conveniently authenticate themselves through the mobile app using Millennium ID. Top Financial Innovation in Global Finance „The Innovators” ranking for eSIM purchase in the mobile app.
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24 Strengthening omnichannel assistance through the mobile app D I G I TA L I S AT I O N& A S S I S TA N C E 44% Company details change in mobile app vs. branch in May The bank received the top award in the Omnichannel Customer Service Quality category. Golden Banker 2026 In 1H26, we expanded customer support options by introducing cobrowsing and online meetings. We also continued to promote existing contact options, including tap to call and chat, also as a contact hub, providing contextual assistance throughout digital journeys. Consultant support In 1H26 , we introduced the ability for Business customers to update company details directly in the mobile app. We also enabled customers applying for credit products to remotely authorize risk screening checks, making the lending process more convenient and seamless. Self-service In April, we joined forces with Migam.pl to provide customers with access to a Polish Sign Language (PJM) interpreter through the bank’s website. The service supports customers both during branch visits and when calling the customer service helpline. Accessibility x4.6 Increase in Contact Hub use in mobile app (y/y)
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Development of the multi-bank cashback platform 25 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 Bank Millennium and another bank have joined the initiative by signing letters of intent Development of the multi-bank cashback platform 41% Amount of cashback paid out Increase y/y Number of users using the cashback service Increase y/y 26% 4.64.2 4.1 25
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18,278 19,845 22,083 20,116 21,423 12,190 14,163 10,345 12,730 12,238 30,468 34,008 32,429 32,846 33,661 30/06/25 30/09/25 31/12/25 31/03/26 30/06/26 Term deposits Current accounts Strong momentum in companies financing maintained Total portfolio up 32% y/y, loans up 41% y/y, deposits up 10% y/y (term deposits flat y/y, C/As up 17% y/y). 26 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 ’’ • Implementation of the 2025-28 Strategy is bringing visible results in the corporate area. • Corporate portfolio accelerated the already strong growth shown at year-end 2025, translating into a 32% growth y/y and 7% q/q, fuelled by all business segments. • Origination of loans in 2Q26 remained solid at 44% y/y with new production in 1H26 up 77% y/y • New sales in leasing picked up visibly (+29% y/y) in 2Q26. Momentum also improved further in factoring, with 28% y/y growth of turnover in 2Q26. • Companies’ deposits grew 10% y/y with growth in C/A balances accelerating to 17% y/y +63% +32% +8% +17% +10% +0% 9,641 10,463 11,754 12,957 13,595 7,225 7,290 7,359 7,489 7,8262,572 2,917 3,117 3,410 4,19119,438 20,670 22,231 23,857 25,612 30/06/25 30/09/25 31/12/25 31/03/26 30/06/26 Factoring Leasing Loans +7% +41% +2%
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Strongly accelerating corporate business 27 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 guarantees and letters of credit PLNmn PLNmn thousand +29% +28% +10% -1% +25% +9% 2,800 2,797 2,759 2,970 3,032 3,074 5,596 6,106 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 870 999 945 1,047 976 1,285 1,870 2,260 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 +21% 6,540 7,158 7,349 7,857 7,921 9,179 13,698 17,099 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 9,467 9,532 9,304 9,822 9,254 9,460 18,999 18,714 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26
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C O R P O R AT E B A N K I N G What's new for companies We support the development of the national defence sector and companies in their energy transition. 97% 77% FX transactions concluded through the Millennium Forex Trader platform 91% guarantees were issued in the form of e-guarantees 81% loan agreements signed electronically of clients have access to the eBOK service Through the eBOK service, clients can submit any matter related to their lease agreement online, while the service is integrated with the Bank’s online banking platform. Loan with a de minimis guarantee for companies in the defence and dual-use sectors We have made financing available to companies operating in the defence sector and developing dual- use technologies under a BGK de minimis guarantee. The instrument supports the development of the national defence capability and innovative technologies with both military and civilian applications. Sustainability-Linked Loan (SLL) financing This solution enables clients to be rewarded for achieving agreed ESG targets covering environmental, social and governance areas. We have adapted the structure of our product to meet the needs of a broader range of clients. We have standardised the contractual provisions, making it possible to implement this type of financing also in bilateral relationships and smaller-scale projects. 28
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29 We delivered the first phase of the new Millenet for Corporate, focused on accounts, loans, deposits and statements. The solution gives business clients clearer access to key financial information and improves everyday work in the online banking channel. Refined online banking experience in Millenet for Corporate We enabled qualified electronic signature for business clients in Corporate Millenet. The solution allows clients to sign documents remotely and helps the bank further digitalise document workflows in corporate banking. Qualified electronic signature in Corporate Millenet We implemented a unified digital process for managing marketing consents. It gives clients more control over communication and supports compliant digital marketing. Digital marketing consent management C O R P O R AT E B A N K I N G We made selected pre-approved credit offers available through the mobile channel. The solution supports faster and more convenient access to financing for business clients. Pre-approved credit offer in mobile banking We extended Electronic Cash Withdrawal to Millenet Link and Millenet Link Lite. The solution supports ERP-based cash withdrawal orders and reduces manual handling. New ECW payment method – now also available in Millenet Link Digital banking for business We are expanding online channels and digitalising key business banking processes
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Appendices 2Q26/1H26 results
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Macroeconomic environment Tankers crossing Strait of Hormuz Energy commodities prices Data from the Polish economy % y/y ’’ Source: Bloomberg, Macrobond, Bank Millennium • The Polish economy demonstrated considerable resilience to higher fuel prices and elevated geopolitical uncertainty. In 2Q26, construction output rebounded strongly following substantial weather-related declines recorded in 1Q26. Industrial production growth also accelerated, supported by stronger demand stemming from concerns about the future availability and cost of raw materials. Retail sales growth, however, moderated reflecting normalisation of labour market conditions and slower wage growth. According to the Bank's estimates, GDP growth in 2Q26 amounted to approx. 3.7% y/y, compared with 3.5% y/y in the previous quarter. number of vessels, both directions ’’ • Economic sentiment in 2Q26 remained heavily influenced by geopolitical developments. Global oil and natural gas markets experienced significant volatility throughout this period. Sentiment improved following the agreement reached on 16 June 2026 between the United States and Iran regarding a temporary suspension of military operations and the restoration of shipping through the Strait of Hormuz. As a result crude oil and natural gas prices declined but remain well above the pre- war levels. • CPI inflation fell in June 2026 to a level consistent with the inflation target of the NBP, confirming the reversal of part of the earlier price increases and easing companies' concerns regarding cost pressures. 27.02.2026=100 4.94.5 3.5 -10 -5 0 5 10 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Industrial output Construction output Retail sales Inflation in Poland % y/y 0 2 4 6 8 Jan'24 Jul'24 Jan'25 Jul'25 Jan'26 Jul'26 CPI Core inflation CPI target 0 10 20 30 40 50 60 70 80 90 02/23 03/02 03/09 03/16 03/23 03/30 04/06 04/13 04/20 04/27 05/04 05/11 05/18 05/25 06/01 06/08 06/15 06/22 06/29 07/06 07/13 07/20 80 100 120 140 160 180 200 220 02/27 03/06 03/13 03/20 03/27 04/03 04/10 04/17 04/24 05/01 05/08 05/15 05/22 05/29 06/05 06/12 06/19 06/26 07/03 07/10 07/17 Gasoil Gasoline Crude oil Gas TTF M A C R O E C O N O M I C E N V I R O N M E N T 31
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Macroeconomic environment Unemployment rate and wage dynamics Forecasts ’’ Source: Macrobond, Ministry of Finance, Bank Millennium, F- forecast % ’’ • The situation in the Middle East remains the main risk factor for the Bank's macroeconomic scenario. Developments at the beginning of 3Q26 suggest that the agreement between US and Iran remains fragile, and the risk of renewed disruptions to shipping through the Strait of Hormuz is still elevated. Any renewed tensions could once again affect energy commodity prices, inflation and economic growth prospects in both Poland and the global economy. • The outlook for the Polish economy points to a scenario of stable economic growth, with the main challenge remaining the high budget deficit and the public debt ratio, which continues to rise relative to GDP. • The Bank expects economic growth in 2H26 to remain broadly similar to that observed in 1H26. Investments are expected to play an increasingly important role in economic activity, including projects co-financed by European Union Cohesion Policy funds, the National Recovery and Resilience Plan and the SAFE programme. Household consumption will remain an important pillar of GDP growth, although slower wage growth and the absence of new fiscal programmes supporting household incomes may lead to a gradual moderation in its pace. Economic growth is likely to slow in 2027 alongside the expected moderation in investment demand growth. 2024 2025 2026F GDP % 3.2 3.6 3.6 Individual consumption % 2.9 3.7 3.2 Investments % 0.4 4.4 7.4 Unemployment rate % eop 5.1 5.7 6.0 Inflation % 3.6 3.6 3.1 Reference rate % eop 5.75 4.00 3.75 EURPLN eop 4.27 4.23 4.27 USDPLN eop 4.10 3.60 3.71 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 EU funds inflow to Poland EUR bn 0 5 10 15 20 25 30 35 40 2020 2021 2022 2023 2024 2025 2026F 2027F EU budget 2014-2020 EU budget 2021-2027 Recovery Plan SAFE M A C R O E C O N O M I C E N V I R O N M E N T 32
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Macroeconomic environment FX evolution EURIBOR 3M and market expectations % % Yields of Polish bonds WIBOR 3M and market expectations ’’ Source: Macrobond, LSEG Datastream, Bank Millennium ’’ • In 1Q26 the MPC cut interest rates by 25 bp to 3.75% despite tensions in the Middle East. Since then, the MPC has kept rates unchanged. In June, markets priced out hikes, resulting in a 30 bp decline in bond yields. In July, NBP Governor A. Glapiński signaled the possibility of rate cuts in 2H26. Despite this dovish pivot, bond yields and IRS rates have not declined further, as renewed tensions in the Middle East triggered a bond sell-off across global markets. Markets are pricing in a scenario of stable interest rates in Poland over the coming months and accelerated rate hikes in the euro area. The bank assumes a gradual decline in yields in 2026 and 2027. • After more than a year of very low FX rate volatility, the zloty weakened vs. the euro in 2Q26. The EURPLN rate jumped to 4.30 following the outbreak of the US-Iran war. The zloty recovered to ca. 4.25 after the ceasefire in early April, but then depreciated to 4.32 in June and July, partially due to the more dovish NBP chair A. Glapiński and a stronger US dollar. The dollar appreciated against the euro throughout 2Q26. The EURUSD rate reached 1.14 in early July following the hawkish pivot of the new Fed chair K. Warsh. The Bank expects a stable EURPLN rate within the 4.20–4.40 range. % 3.8 4.0 4.2 4.4 4.6 4.8 5.0 5.2 Jan'20 Jul'20 Jan'21 Jul'21 Jan'22 Jul'22 Jan'23 Jul'23 Jan'24 Jul'24 Jan'25 Jul'25 Jan'26 Jul'26 EUR/PLN CHF/PLN 2 3 4 5 6 7 8 9 Jan'22 Jul'22 Jan'23 Jul'23 Jan'24 Jul'24 Jan'25 Jul'25 Jan'26 Jul'26 2Y 5Y 10Y Reference rate 0 1 2 3 4 5 6 7 8 Dec'19 Jun'20 Dec'20 Jun'21 Dec'21 Jun'22 Dec'22 Jun'23 Dec'23 Jun'24 Dec'24 Jun'25 Dec'25 Jun'26 Dec'26 Jun'27 Dec'27 WIBOR 3M 14-Jul-26 27-Feb-26 3.85 3.87 3.50 -1 0 1 2 3 4 5 Dec'19 Jun'20 Dec'20 Jun'21 Dec'21 Jun'22 Dec'22 Jun'23 Dec'23 Jun'24 Dec'24 Jun'25 Dec'25 Jun'26 Dec'26 Jun'27 Dec'27 EURIBOR 3M 14-Jul-26 27-Feb-26 2.32 2.84 2.08 M A C R O E C O N O M I C E N V I R O N M E N T 33
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Macroeconomic environment Growth rate of deposits and loans Newly granted loans PLN bn % y/y Growth rate of deposits ’’ Source: Macrobond, Bank Millennium % y/y ’’ • In 2Q26, the value of newly granted housing loans to households increased noticeably, although this was largely driven by stronger demand for the refinancing of existing mortgages. At the same time, demand for credit from non-financial corporations remained broadly unchanged, despite a slight decline observed in April and May. • Conditions in the banking sector remained stable in 2Q26. Household deposit growth remained relatively strong (around 10% y/y), supported by positive real interest rates, an elevated propensity to save among households and likely still solid corporate performance. Lending volumes to non- financial corporations and households also continued to grow at a stable pace. At the same time, credit growth to financial sector companies accelerated, potentially reflecting increased bank financing provided to leasing and factoring companies. 10.8 9.7 10.9 -3 0 3 6 9 12 15 Total Households NFC 10.8 9.7 -3 0 3 6 9 12 Deposits Loans 24.0 11.4 0 5 10 15 20 25 Households NFC % y/y 5.9 7.6 8.0 10.0 -8 0 8 16 Households - mortgage loans Households - other loans NFC - investments loans NFC - other loans Growth rate of loans M A C R O E C O N O M I C E N V I R O N M E N T 34
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35 Bank Millennium’s shares gained 18% 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(y-t-d) 50.1% 9.7% 8.1% 32.1% BCP Nationale-Nederlanden OFE (Pension Fund) Allianz Polska OFE (Pension Fund) Remaining free float Bank Millennium shareholders’ structure (31.12.2025) +18 % +24% No of shares: 1 213 116 777 (listed 1 213 008 137) Listed: on Warsaw Stock Exchange since August 1992 Index: WIG, WIG 30, mWIG40, WIG Banks, MSCI Poland Tickers: ISIN PLBIG0000016, Bloomberg MIL PW, Reuters MILP.WA 35 Ratings of Bank Millennium Long term deposit (LTR) / Issuer Default (IDR) Baa1 BBB Rating outlook LTR stable outlook Stable outlook Short term IDR Prime-2 F3 Standalone BCA/Adj. BCA ba1/baa3 Viability bbb- CR rating A3/Prime-2 Shareholder support rating (SSR) b+ SNP MREL bonds Baa3 BBB- AT1 bonds Ba3 (hyb) T2 issue rating Ba1 Bank Millennium’s ratings Moody’s Fitch -6% -1% 4% 9% 14% 19% 24% 29% 34% 30/Dec/25 30/Jan/26 28/Feb/26 31/Mar/26 30/Apr/26 31/May/26 30/Jun/26
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36 Activities in the field of ESG Bank Millennium became a signatory of the Partnership for Carbon Accounting Financials – PCAF. It is a global initiative, which currently comprises over 700 financial institutions, including institutions from the Polish market, dedicated to measuring and reporting greenhouse gas (GHG) emissions related to financial activities. The PCAF Standard is a set of guidelines containing a unified methodology for calculating the carbon footprint used by numerous institutions on several continents. Bank Millennium is a signatory of the PCAF Bank Millennium has introduced financing in the Sustainability Linked Loan (SLL) formula to its offer, supporting enterprises in achieving sustainable development goals. The new solution allows clients to be rewarded for meeting agreed ESG (environmental, social and governance) goals. SLL financing is of a general nature – it can be used for the current operations of a company, including among others in the form of an overdraft, revolving credit facility or factoring. Sustainability Linked Loan (SLL) financing for companies In May, the 23rd edition of Millennium Docs Against Gravity took place – the largest film festival in Poland and the second-largest documentary film festival in Europe, of which Bank Millennium has been a patron continuously for 21 years. The Millennium Docs Against Gravity Festival maintains its position as one of the most important documentary events in the world. The 23rd edition in 2026 was attended by nearly 180 thousand people, and the reach on social media exceeded 11.5 million users. 23rd edition of the Millennium Docs Against Gravity Festival Loan with a de minimis guarantee for companies from the defence sector and dual use Bank Millennium clients from the SME sector, engaged in licensed activities in the defence industry or producing dual-use products, may benefit from preferential, free de minimis guarantees. The solution responds to the current needs of the market and the country's priorities related to strengthening the security and resilience of the economy. The guarantees increase the availability of financing for companies implementing projects important for defence, new technologies and strategic supply chains. 16th edition of the Financial ABCs programme From April to June, the 16th edition of the Financial ABCs educational programme - the flagship initiative of the Bank Millennium Foundation for preschool children - took place. The programme has been implemented continuously since 2016 and has already reached more than 100,000 children throughout Poland. It is the Foundation’s original programme, the aim of which is to introduce the youngest to the world of finance in a simple, understandable and fun way.
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37 The most important awards and achievements of Bank Millennium in 1H26 (part 1) Bank Millennium named Golden Bank 2026 1st place for multi-channel service quality – Grand Prize, Złoty Bank 2026 1st place for best helpline service quality 1st Place – Personal Account category Bank Millennium Awarded the Top Employer 2026 Certification Bank with a mission Award in the Golden Banker 2026 ranking Institution of the Year 1st place in the Best Mobile Banking App Category 1st place in the Best In-Branch Account Opening Process Category 1st place in the Best Remote Account Opening Process Category AW A R D S & A C H I E V E M E N T S
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38 The most important awards and achievements of Bank Millennium in 1H26 (part 2) Euromoney Awards for Excellence 2026: Poland’s Best Digital Bank Award Customer Service Quality Star 2026 and Decade Star 2015–2025 AW A R D S & A C H I E V E M E N T S 3rd place in the “Customer Relationship Star” Category in the Banking Stars Ranking by Dziennik Gazeta Prawna Top Financial Innovations 2026 Award in Global Finance Magazine’s Competition
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39 (*) Cost of credit 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 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Change Y/Y Change Q/Q Net interest income 1 423 1 448 1 446 1 438 1 390 1 387 -4% 0% Net commission income 183 188 204 200 205 207 10% 1% Other non-interest income 61 112 99 133 71 47 -58% -33% Operating income 1 667 1 749 1 749 1 771 1 666 1 642 -6% -1% General and administrative costs -611 -547 -572 -602 -685 -573 5% -16% Depreciation -57 -55 -55 -57 -61 -67 22% 9% Total operating costs -668 -602 -627 -659 -746 -640 6% -14% Net cost of credit risk* -86 6 -113 -57 -90 -51 - -43% FX-mortgage legal risk costs -497 -589 -485 -534 -226 -180 -69% -20% Operating profit 416 564 524 521 605 771 37% 27% Banking tax -99 -101 -101 -105 -102 -102 1% 0% Pre-tax profit 318 463 424 415 502 668 44% 33% Income tax -138 -132 -79 -69 -202 -261 98% 29% Net profit 179 331 345 347 301 408 23% 35%
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40 Balance sheet in brief [PLNmn] F I N A N C I A L P E R F O R M A N C E ASSETS LIABILITIES AND EQUITY 31.03.2025 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 Change Y/Y Change Q/Q Cash and balances with the Central Bank 4 834 5 293 4 941 4 360 4 590 5 736 8% 25% Loans and advances to banks 628 545 499 351 516 402 -26% -22% Loans and advances to customers 74 428 74 112 74 619 76 416 78 249 81 198 10% 4% Amounts due from reverse repo trans. 451 407 583 99 2 286 261 -36% -89% Debt securities 58 304 61 397 67 774 70 222 71 887 78 911 29% 10% Derivatives (for hedging and trading) 209 224 190 155 164 161 -28% -2% Shares and other financial instruments 148 203 233 236 237 232 14% -2% Tangible and intangible fixed assets 1 049 1 127 1 132 1 167 1 157 1 147 2% -1% Other assets 2 637 2 539 2 606 2 667 2 812 2 646 4% -6% Total assets 142 708 145 867 152 597 155 673 161 899 170 693 17% 5% Deposits and loans from banks 220 135 193 103 282 285 111% 1% Deposits from customers 119 436 121 734 128 186 130 807 134 806 140 757 16% 4% Liabilities from repo transactions 0 1 133 0 5 0 - - Financial liabilities at fair value through P&L and hedging derivatives 522 682 788 271 179 136 -80% -24% Liabilities from securities issued 6 874 7 025 6 764 7 641 7 658 8 073 15% 5% Provisions 3 264 3 545 3 600 3 747 3 537 3 382 -5% -4% Subordinated liabilities 1 559 1 561 1 556 1 558 1 552 3 703 137% 139% Other liabilities 2 914 2 868 2 658 2 421 3 175 3 071 7% -3% Total liabilities 134 789 137 551 143 878 146 548 151 195 159 408 16% 5% Total equity 7 920 8 316 8 718 9 126 10 704 11 285 36% 5% Total liabilities and equity 142 708 145 867 152 597 155 673 161 899 170 693 17% 5%
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Investor relations contact NEXT EVENTS: 3Q26 results - October 27 Follow us: www.bankmillennium.pl Kanał na YouTube @BankMillennium Head of Investor Relations Dariusz Górski +48 22 598 1115 +48 514 509 925 dariusz.gorski@bankmillennium.pl tel. mob. e-mail Investor Relations Marta Czajkowska-Bałdyga +48 661 440 999 marta.czajkowska-baldyga@bankmillennium.pl mob. e-mail Investor Relations Katarzyna Stawinoga +48 22 598 1110 +48 504 779 893 katarzyna.stawinoga@bankmillennium.pl tel. mob. e-mail