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Bank Millennium Group 3Q26/9M26 results 27 October 2026 1
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Disclaimer This presentation has been prepared by Bank Millennium for its stakeholders for informational purposes 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 here is at the 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 the 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’, including 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, an invitation or a solicitation of an offer to purchase or invest in securities or conclude any transaction in securities, in particular with respect to securities of Bank Millennium. 2
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Agenda Business development 17 Financial performance 6 Appendices 30 3
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3.4mn active retail clients Main business achievements in 9M26: strong business momentum BUSINESS VOLUMES EVOLUTION 95% digitally active Total deposits y/y +11% Total net loans y/y +11% Consumer loans y/y +7% PLN mortgage Loans y/y +5% Leasing portfolio y/y +11% Investment funds portfolio y/y +21% MAIN SALES HIGHLIGHTS Cash loans PLN6.8bn Mortgage loans PLN7.9bn Corporate loans PLN8.3bn Leasing PLN3.4bn Factoring turnover PLN25.7bn 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. +26% y/y +224% y/y +22% y/y+22% y/y+25% y/y Net loans to companies y/y +25% 4 4
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2024 2028 TARGET 3Q26 RETAIL PRIMARY CLIENTS 60.7% ~70% 62.2% [%] ACTIVE RETAIL CLIENTS 3.13 >3.7 3.39 [M] RETAIL DIGITALLY ACTIVE CLIENTS 92.9% >95% 94.5% [%] CORPORATE LOANS VOLUME 14.6 >25 20.3 [PLN B] ACTIVE BUSINESS CLIENTS 38.0 >50 39.9 [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 3 / n/a * [#] RETURN ON EQUITY 9.8% ~18% 14.0%** [%] COST/ INCOME 37.6% ~37% 37.6%** [%] TIER1 14.8% ~15% 16.1% [%] NON- PERFORMING LOANS 4.5% <4% 3.6% [%] FINANCIAL & RISK GOALS DIVIDEND PAYMENT 2026 2028 2024 2028 2024 [Y/N] [Y/N] NO NO (*) NPS for retail banking segment reported on a quarterly basis and for corporate banking segment on an annual basis; (**) Financial indicators reported cumulatively after each quarter, i.e. year-to-date, versus 2024 full-year results. 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 5
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Strategy 25-28: half-way review Household deposits Subtitle EXECUTIVE SUMMARY • Strategy execution remains successful after the first half of the cycle, with strong business growth across Retail and Corporate Banking and solid progress in the Bank’s key transformation programmes. • Commercial performance continues to translate into improving financial results, despite a more challenging revenue environment and stronger-than-anticipated margin pressure. • Capital remains a key management priority. The Bank is keen on returning to dividend distribution while being aware of the expected future capital consumption and regulatory challenges. • The strategic ambitions for 2028 remain unchanged. Following the mid-term review, the Bank has identified selected areas where execution must be reinforced to maximise value creation in 2027-2028. Corporate loans ROE NPLs 38% 30% 28% 20% 15% 13% 12% 11% 5% 0% 10% 20% 30% 40% 50% MIL Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 Bank 6 Bank 7 Bank 8 4.5% 3.4%4.2% 3.7% 4Q24 2Q26 Millennium Peer average -54 bp -103 bp 1H26 vs 2024xx 9.9% 13.7% 19.7% 15.3% FY2024 1H26 Millennium Peer average xx 1H26 vs 2024 4 pp -4 pp S T R AT E G Y E X E C U T I O N Bank Millennium vs peers (1H26 vs YE24) 6 24% 22% 19% 18% 16% 11% 7% 5% 0% 5% 10% 15% 20% 25% 30% Bank 1 MIL Bank 2 Bank 3 Bank 4 Bank 5 Bank 6 Bank 7
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Financial performance 3Q26/9M26 results 7
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8 Main financial achievements in 9M26 PROFITABILITY • 9M26 reported net profit: PLN1,109mn (+30% y/y) • ROE at 14.0% (BFG adjusted) in 9M26, reported at 13.8% • Resilient NII despite lower interest rates (only -1% y/y against a 105bps drop in avg. 3M WIBOR). NIM at 3.52% in 3Q26, starting to rebound • Continued and well-diversified fee growth (+9% y/y) • C/I adjusted at 37.6% with a steady drop through the year • Cost of credit risk (annualised) at the low level of 37bps • NPL ratio low at 3.6% CAPITAL, MREL & LIQUIDITY • Very solid capital position. Consolidated TCR at 20.6%, Tier 1 ratio at 16.1%, CET1 at 13.7%. Buffers over regulatory requirements at 7.8 p.p. / 5.4 p.p. / 4.5 p.p. respectively, supported by EUR500mn T2 bonds (May’26) and 65% of 1H26 net profit (Bank solo) • Solid buffers over MREL requirements (MREL trea surplus at 5.9 p.p., MREL tem at 3.2 p.p.) • LTFR at 36%, well above the new YE26 requirement of 20% • Loan-to-deposit ratio 58% PLN 1,109mn 9M26 reported net profit
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Key financial data for 3Q26/9M26 FINANCIAL INFORMATION PROFITABILITY PLNmn 9M25 9M26 Y/Y 3Q25 2Q26 3Q26 Y/Y Q/Q Net interest income 4 318 4 261 -1% 1 446 1 387 1 483 3% 7% Net commission income 575 625 9% 204 207 213 4% 3% Total operating income 5 165 5 004 -3% 1 749 1 642 1 696 -3% 3% Total costs -1 897 -2 029 7% -627 -640 -643 3% 1% Costs without BFG -1 766 -1 912 8% -609 -640 -643 6% 1% Loan loss provisions -194 -233 20% -113 -51 -92 -19% 81% FX mortg. legal risk costs -1 570 -583 -63% -485 -180 -178 -63% -1% Banking tax on assets -301 -311 3% -101 -102 -106 5% 4% Pre-tax profit 1 204 1 847 53% 424 668 677 60% 1% CIT -349 -739 112% -79 -261 -276 - 6% Net profit 855 1 109 30% 345 408 400 16% -2% Net profit adjusted* 2 347 1 922 -18% 743 697 710 -5% 2% (*) Extraordinary items: 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. and consumer portfolio-related costs in 9M26) (**) With linear BGF resolution fund fee charge 9M25 9M26 3Q25 2Q26 3Q26 NIM (%) 4.10% 3.54% 3.95% 3.43% 3.52% C/I (%) 36.7% 40.6% 35.8% 39.0% 37.9% C/I adjusted* (%) 35.1% 37.6% 37.2% 37.3% 36.6% Cost of risk (bp) 32 37 53 24 44 ROE (%) 14.0% 13.8% 16.2% 14.8% 14.2% ROE adjusted** (%) 14.2% 14.0% 15.0% 13.8% 13.0% 9
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Key financial data for 3Q26/9M26 FINANCIAL INFORMATION LIQUIDITY & QUALITY CAPITAL & MREL PLNmn unless otherwise stated Sep'25 Dec'25 Jun'26 Sep'26 Y/Y Q/Q YTD Active retail customers (ths) 3 234 3 270 3 354 3 394 160 41 124 incl. online and mobile 3 024 3 065 3 160 3 208 184 48 143 Assets 152 597 155 673 170 693 169 220 11% -1% 9% Customer Funds 142 420 146 274 157 369 159 361 12% 1% 9% Deposits 128 186 130 807 140 757 142 108 11% 1% 9% Deposits of individuals 94 178 98 379 107 096 107 214 14% 0% 9% Deposits of companies 34 008 32 429 33 661 34 894 3% 4% 8% Loans net 74 619 76 416 81 198 82 605 11% 2% 8% Retail loans 54 493 54 745 56 164 57 456 5% 2% 5% Corporate loans 20 125 21 671 25 034 25 150 25% 0% 16% (*) Long-term funding ratio – according to the new formula announced by PFSA in July’26 (**) Coverage ratio = credit risk provisions / impaired loans (***) Risk-weighted assets Sep'25 Dec'25 Jun'26 Sep'26 L/D 58.2% 58.4% 57.7% 58.1% LTFR* 33% 27% 38% 36% Impaired loan ratio 4.2% 3.8% 3.4% 3.6% Coverage ratio** 78.0% 78.9% 82.2% 80.4% PLNmn unless otherwise stated Sep'25 Dec'25 Jun'26 Sep'26 Total capital 8 484 8 290 10 397 12 762 RWA*** 53 338 54 879 60 812 61 987 CET1 14.3% 13.7% 13.6% 13.7% T1 14.3% 13.7% 16.1% 16.1% TCR 15.9% 15.1% 17.1% 20.6% MREL TREA 25.5% 24.5% 25.9% 26.0% MREL TEM 8.8% 8.3% 8.9% 9.1% 10
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(PLNmn) Net profit reported and w/o extraordinary* items ROE reported and adjusted** 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 9M26); ** with linear recognition of BGF (PLNmn) (PLN mn) 904 718 886 743 875 515 697 710 2,347 1,922 173 179 331 345 347 301 408 400 855 1,109 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 Net profit without extraordinary/one-off items Reported net result +30% F I N A N C I A L H I G H L I G H T S O F 3 Q 2 6 / 9 M 2 6 9M26 reported net profit of PLN1,109mn (+30% y/y), despite PLN 390mn higher CIT Reported ROE of 13.8% in 9M26 (14.2% in 3Q26) -18% +0.5% +7% 9.0% 9.2% 16.3% 16.2% 15.5% 12.1% 14.8% 14.2% 14.0% 13.8% 8.2% 12.3% 15.2% 15.0% 14.4% 15.2% 13.8% 13.0% 14.2% 14.0% 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 ROE reported ROE with linear BFG** 1,496 1,452 1,459 1,453 1,439 1,390 1,422 1,499 4,365 4,312 188 183 188 204 200 205 207 213 575 625 92 57 103 30 96 40 109 66 190 216 1,776 1,691 1,750 1,688 1,736 1,636 1,738 1,779 5,129 5,153 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 NII Net fees Other +5% 11 310 322 347 339 349 357 360 355 1,008 1,072287 252 237 270 292 272 280 289 758 841 - 94 18 18 19 117 131 117 596 668 602 627 659 746 640 643 1,897 2,029 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 BFG cost Other administrative cost Personnel cost +3%
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1,460 1,423 1,448 1,446 1,438 1,390 1,387 1,483 4,318 4,261 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 +7% (*) without the cost of credit holidays and related adjustments NIM bottoming out in 3Q26 Resilient NII (only 1% down y/y vs. 105 bps drop in avg. 3M WIBOR) in a lower interest rate environment, supported by volume growth. Fees growing 9% y/y in 9M26. PLNmn Net interest income* Interest on loans* and deposits (quarterly average) PLNmn Net fees - 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 188 183 188 204 200 205 207 213 575 625 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 +3% 8.09% 8.02% 7.86% 7.46% 7.18% 6.80% 6.57% 6.46% 2.20% 2.24% 2.18% 2.06% 1.95% 1.78% 1.72% 1.64% 4.37% 4.23% 4.13% 3.95% 3.78% 3.65% 3.43% 3.52% 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Interest on loans Interest on deposits Net interest margin 40 40 40 43 36 34 33 31 44 44 35 35 42 45 45 48 32 34 36 39 41 45 44 47 52 56 60 64 57 56 61 60 21 9 17 23 23 25 25 28188 183 188 204 200 205 207 213 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Insurance Cards Investment products & capital markets Loans Account services & other PLNmn Net fees +9% -1% +3% +4% 12
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Operating expenses’ growth moderated further to 7% y/y Cost growth of 7% y/y, including a slowdown in staff cost growth to 6% y/y. C/I adjusted at 37.6% in 9M26. (*) 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 9M26), with linear distribution of BFG resolution fund fees PLNmn Operating cost Employees Distribution network E F F I C I E N C Y 353 353 352 349 325 239 237 239 236 228 592 590 591 585 553 3Q25 4Q25 1Q26 2Q26 3Q26 Own Partners' outlets -39 6,824 6,906 6,885 6,842 6,792 6,469 6,517 6,488 6,440 6,400 3Q25 4Q25 1Q26 2Q26 3Q26 Employees (FTE) Headcount w/o long-term leaves -32 Cost/income adjusted* 37.6%35.1% +6% +7% +11% 310 322 347 339 349 357 360 355 1,008 1,072287 252 237 270 292 272 280 289 758 841 94 18 18 19 117 131 117 596 668 602 627 659 746 640 643 1,897 2,029 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 BFG cost Other administrative cost Personnel cost +3% 13
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Solid credit quality, with a 3.6% NPL ratio CoR level remains low at 37bps in 9M26. Coverage ratio of impaired loans by provisions >80%. Note: quarterly risk charge in PLNmn also includes charges for non-financial assets presented in the companies segment * Pre-tax impact Coverage ratio Result from NPL sales* A S S E T Q U A L I T Y PLNmn 74 86 79 70 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 4.2% 4.2% 3.8% 3.7% 3.4% 3.6% 2.3% 2.2% 2.0% 2.0% 1.9% 1.8% 7.5% 7.7% 6.7% 7.0% 6.4% 6.6% 4.1% 3.7% 3.5% 2.7% 2.7% 2.8% 30/06/2530/09/2531/12/2531/03/2630/06/2630/09/26 Total loans Mortgage Consumer l. Companies bps Cost of risk PLNmn 79 19 32 78% 62 29 37 80% Total loans Retail Companies Impaired loans (stage 3 & POCI) +20% 4.2% 4.2% 3.8% 3.7% 3.4% 3.6% 8.2% 8.3% 8.2% 8.3% 7.9% 7.2% 30/06/2530/09/2531/12/2531/03/2630/06/2630/09/26 Stage 3 Stage 2 Share of stage 2 & 3 loans 75.9% 78.0% 78.9% 81.6% 82.2% 80.4% 30/06/2530/09/2531/12/2531/03/2630/06/2630/09/26 Impaired loan coverage ratio (%) -28 66 -47 65 16 69 17 45 84 132 32 20 41 48 41 20 34 47 109 101 3 86 -6 113 57 90 51 92 194 233 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 Companies and other Retail 14
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Capital adequacy ratios show a comfortable surplus. New T2 issue recognised in capital. Impact of new securitisation transaction still not included. Note: until the end of 2025, due to the lack of AT1s, the actual CET1 ratio was equal to the T1 ratio Group capital ratios Capital requirement vs. actual ratios on 30 Sept 2026 (Group) C A P I TA L R AT I O S 15.6% 15.9% 15.1% 17.6% 17.1% 20.6% 13.8% 14.3% 13.7% 16.4% 16.1% 16.1% 13.8% 13.6% 13.7% 10.8% 11.8% 11.8% 11.8% 11.8% 12.8% 8.75% 9.75% 9.75% 9.75% 9.75% 10.75% 7.3% 8.3% 8.3% 8.3% 8.3% 9.3% 30/06/2025 30/09/2025 31/12/2025 31/03/2026 30/06/2026 30/09/2026 TCR T1 CET1 min. regulatory TCR min. regulatory T1 min regulatory CET1 Surplus 7.8 p.p.Surplus 4.5 p.p. Key points Consolidated T1 ratio evolution in 9M26 • Capital ratios improved (consolidated TCR at 20.6%), reflecting the positive impact of the EUR500mn T2 issue, or were broadly unchanged (T1 at 16.1%, CET1 at 13.7%) as lending growth (higher RWAs) and lower valuation of the bond portfolio were nearly offset by the inclusion of 1H26 net profit (Bank solo: 65%, Group: 66.9%) into regulatory capital. • Capital buffers remained solid. Surpluses for consolidated CET1/T1/TCR at 4.5 p.p./ 5.4 p.p./ 7.8 p.p. respectively - more than comfortable after accommodating strong ytd growth of RWAs and the 1 p.p. increase in CCyB in September’26. • Pending impact of a synthetic securitisation transaction. A synthetic securitisation transaction of the Bank's consumer loan portfolio concluded with the IFC in September 2026 is estimated to add approximately 80bps to the CET1 ratio (on end-June 2026 data). Capital benefits are conditional on supervisory confirmation that the conditions for significant risk transfer have been met. 4.5% 6.0% 8.0% 2.5% 2.5% 2.5% 0.25% 0.25% 0.25% 2.0% 13.7% 2.0% 16.1% 2.0% 20.6%9.3% 10.8% 12.8% CET1 requir. BM CET1 T1 requir. BM T1 TCR requir. BM TCR OSII buffer Capital conserv. buffer Minimum CCyB buffer OSII buffer Capital conserv. buffer Minimum Surplus 5.4 p.p. CET1 T1 TCR 13.68% 1.99% 2.73% -0.59% -2.09% 0.43% 16.15% Dec'25 2H25/1H26 net profit AT1 Reval. reserve RWA Other Sept'26 15
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Significant surplus of MREL and liquidity ratios (*) from 1 January 2027, MREL TEM requirement will increase to 7.70%; (**) original maturity date September 2027; paying fixed coupon of 9.875% p.a. and floating rate of EURIBOR3M + 6.407% in year four; (***) New definition of LTFR requirement introduced on 24 July 2026, (****) data at the end of August 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 371% 418% 414% 374% 402% 417% 463% 449% 64% 62% 61% 58% 58% 58% 58% 58% 39% 41% 42% 44% 45% 44% 46% 44% 196% 201% 206% 206% 203% 208% 210% 215% 31/12/24 31/03/25 30/06/25 30/09/25 31/12/25 31/03/26 30/06/26 30/09/26 LCR Loans/ Deposits Debt securities/ Total assets NSFR **** • Surplus of MREL ratios over the minimum requirements remains high at 5.9 p.p. (MREL TREA) and 3.2 p.p. (MREL TEM). • Early redemption (exercise of call option) of inaugural EUR 500 million SNP MREL 4NC3 bonds** in September 2026. • End-Sept’26 Long-term Funding Ratio at 36%, well above the end-Dec’26 recommended level of 20%*** and allowing comfortable management of the requirement by the Bank itself and Millennium Mortgage Bank (MBH) going forward. 26.0% 20.1% 9.13% 5.91% MREL trea actual MREL trea req. MREL tem actual MREL tem req.* +5.9 p.p. +3.2 p.p. 16
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(*) Excluding f.Euro Bank; (**) the original value of loans granted was PLN18.3bn; (***) includes cases from the class-action lawsuit FX-mortgage portfolio: legal risk cost (pre-tax) dropping 64% y/y. Outstanding legal provisions at PLN4.3bn. Over 32k settlements to date. Inflow of court cases decelerating. Quarterly cost of provisions for legal risk* PLNmn FX - M O R T G A G E R I S K FX-mortgage-related costs (pre-tax) 223 55 113 130 380 512 460 452 662 451 467 447 478 821 715 673 620 507 518 470 483 411 509 394 487 190 156 154 4Q19 3Q20 2Q21 1Q22 4Q22 3Q23 2Q24 1Q25 4Q25 3Q26 Outstanding provisions: PLN4.3bn Total provision cost to date: PLN12.0bn # 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 1,314 500 47 357 484 326 540 33 33 25 74 131 269 545 245 216 78 116 155 48 47 223 750 2,517 2,459 3,540 3,219 2,128 1,609 578 2019 2020 2021 2022 2023 2024 2025 9M25 9M26 Legal risk provisions Settlements Legal costs Other -64% - 62% 32.5 17.9 11.2 2.2 40.2 104 Total Settled Final verdicts In court Remaining active Remaining repaid ** *** Active agreements (#): 9.1k (-16% q/q, -49% y/y) 1,226 1,6441,769 1,5121,5711,556 1,3351,292 1,7101,535 1,8691,7531,5811,6131,474 1,1691,0791,028900 698 887 697 642 911 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 1,093 641 544 932 New lawsuits against BM Settlements ~10.4k active individual court cases against BM (repaid ~30%) ~32.5k amicable settlements to date 17
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Business development 3Q26/9M26 results 18
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34,960 34,933 35,152 36,063 36,770 728 713 614 584 48820,125 21,671 23,310 25,034 25,150 18,806 19,098 19,174 19,517 20,197 74,619 76,416 78,249 81,198 82,605 30/09/25 31/12/25 31/03/26 30/06/26 30/09/26 Consumer loans Loans to companies FX mortgage loans PLN mortgage loans 19 Broad-based and accelerating growth of the loan portfolio. Corporate portfolio (incl. leasing and factoring) +25% y/y. Consumer loans +7% y/y, PLN mortgages +5% y/y. Deposits up 11% y/y. Millennium TFI’s AuM approaching PLN13bn. (*) 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)** +5% +7% +11% +25% PLNmn PLNmn +3% +11% 94,178 98,379 101,960 107,096 107,214 34,008 32,429 32,846 33,661 34,894 128,186 130,807 134,806 140,757 142,108 30/09/25 31/12/25 31/03/26 30/06/26 30/09/26 Companies Retail +14% 10,000 11,035 11,361 12,210 12,800 4,234 4,432 4,330 4,402 4,45314,234 15,467 15,691 16,612 17,253 30/09/25 31/12/25 31/03/26 30/06/26 30/09/26 3rd party products Millennium TFI mutual funds +28% +21% loans to companies & factoring 16.4% leasing 9.5% FX mortg. BM 0.5% FX mortg. EB* 0.1%PLN mortgages 43.8% cash loans 22.4% other retail 7.4%
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648 635 550 524 442 122 107 92 85 70 35,477 35,399 35,617 36,522 37,204 20,220 20,408 20,544 20,806 21,573 56,467 56,549 56,803 57,937 59,290 30/09/25 31/12/25 31/03/26 30/06/26 30/09/26 Consumer loans PLN mortgage FX mortgage EB* FX mortgage BM 1,133 789 577 1,088 1,717 2,204 3,015 2,728 2,454 7,947 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 63,482 68,365 71,657 76,220 76,428 30,696 30,014 30,303 30,876 30,78614,234 15,467 15,691 16,612 17,253108,412 113,846 117,651 123,708 124,467 30/09/25 31/12/25 31/03/26 30/06/26 30/09/26 Investment products Term deposits Current and saving accounts Consumer loan sales at a record high, mortgage sales >3x y/y. Evolution of deposit mix. (*) Loans originated by f. Euro Bank – covered by a 100% indemnity and 80% guarantee agreement with SocGen (**) Disbursements - market share as % of the value of total new agreements PLNmn Retail loans (gross) Retail customer funds New cash loan 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 New PLN mortgage loan sales (**) PLNmn PLNmn PLNmn +5% +5% +7% +20% +21% +15% +0.3% +6% y/y without FX loans 7.6% 11.2% 10.1%market sharemarket share +224% +26% 1,592 1,779 1,766 1,864 1,849 1,947 2,219 2,641 5,410 6,808 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 3.3% 20 Introduction of POLSTR in new mortgage contracts since Oct 1 Introduction of POLSTR in new mortgage contracts since Oct 1
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Steady quarterly growth in active customers (~40k) and accounts 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 151 156 161 164 166 30/09/25 31/12/25 31/03/26 30/06/26 30/09/26 3,234 3,270 3,313 3,354 3,394 30/09/25 31/12/25 31/03/26 30/06/26 30/09/26 +15+160 4,001 4,071 4,148 4,211 4,270 1,603 1,585 1,574 1,552 1,541 1,070 1,153 1,235 1,316 1,390 30/09/25 31/12/25 31/03/26 30/06/26 30/09/26 Retail PLN C/A Konto 360 C/A Millennium 360 C/A 3,627 3,677 3,734 3,780 3,843 535 540 546 553 558 30/09/25 31/12/25 31/03/26 30/06/26 30/09/26 Debit cards Credit cards +269 +239 . +2+41 21
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(*) Retail and Micro-Business clients. (**) Share of active digital users. M O B I L E A P P & D I G I TA L U S E R S 4.8 4.8 3.2mn Active digital users* +6% y/y 3.04mn Active mobile users +8% y/y 2.57mn Mobile-only users +10% y/y 2.4mn BLIK users in 3Q26 +8% y/y In July 2026, we reached 3 million active mobile app users! Bank Millennium was recognised as Best Digital Bank in Poland in the Global Finance magazine ranking, and won other titles: Best Mobile App, Best in User Experience (UX) Design, Most Innovative Digital Bank, Best Online Product Offering, Best in Transformation, Best Online Payment Solutions, Best Information Security & Fraud Management. We also won Best Digital Bank in Poland in the Awards for Excellence 2026 ranking organised by Euromoney magazine. Awards for digital channels in 3Q26 293mn mobile app logins in 3Q26 22
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Digital share of cash loan sales in 3Q26 Cash Loan Term Deposit Current Account Junior Account 89% 92% 76% 90% Digital share of term deposit sales in 3Q26 Digital share of current account acquisition in 3Q26 (new customers). For the bank’s existing customers, this share is 89% Digital share of junior account acquisition in 3Q26 +32% Junior Accounts opened online in 3Q26 (y/y) +31% Current Accounts opened online in 3Q26 (y/y) D I G I TA L S A L E S & A C Q U I S I T I O N Most sales of banking products take place via the mobile app, which confirms the high level of adoption of digital tools and customers’ growing confidence in remote processes. We are expanding our range of investment products – in 3Q26, we launched the IKZE, with the entire account opening and management process available via the mobile app. An internal pilot of a new brokerage account is also underway. 23
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A new section in the app where a customer can easily keep track of their online payments and stay on top of them. They can: • check which merchant stores their card details • view their purchase history • view refunds for their purchases • order a Millennium Visa Raz card • find out about the rules for secure online shopping My online shopping You can now add a Mastercard to the Click to Pay service directly in the mobile app. Customers can simply register their card, and the next time they shop online, they can pay without having to enter their card number, expiry date and CVV each time. This is another step towards simpler and more intuitive e-commerce payments. Click to Pay in the app Secure, convenient and smart digital solutions allow us to build long-term relationships with our customers. W H AT ’ S N E W & D I G I TA L A D O P T I O N On 1 July, the new benefit period for the Dobry Start 300+ scheme began. Our customers have so far submitted 256,000 applications, 79% of which were made via the mobile app. • It’s now easier for parents to make transfers to their child’s account – we’ve added a new shortcut in the app. • We’ve expanded the login options for Millennium ID (mojeID) to include mDowód, making it even more convenient to use e-government services. • We’ve simplified the process of mobile app activation – a phone number is used to confirm activation. Daily banking 24
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AI support in the app thanks to Asystent 360 We have introduced a tool using GenAI technology in the mobile app. In 3Q26, we completed an internal pilot and made it available to the first group of customers on 1 October. The AI assistant will answer questions about products, explain how to use them, analyse expenditure and help users navigate the app. The number of requests processed at the bank’s own branches for orders also available via digital channels has fallen by half Already, 88% of customers’ requests for cash collection at branches are made via the app. 75% of requests for balance certificates are submitted via the app. This significantly reduces the workload on branch staff and frees up time to deal with less routine enquiries and build stronger relationships with our customers. Customers are increasingly keen to use the support provided by a consultant within the app We have already made 62 points of contact available within the app, where customers can access a consultant’s assistance in a context-specific manner, for example when completing a product application. In 3Q26, we recorded a 285% year-on- year increase in calls and a 50 per cent rise in product sales thanks to the support provided by consultants. The development of a contact channel orchestration model enables us to deliver a consistent and seamless customer experience, regardless of the chosen point of contact. The mobile app, helpline, chat services and branch network all function as parts of a cohesive ecosystem. D I G I TA L I S AT I O N& A S S I S TA N C E +285% Calls initiated via the contact hub in digital processes in 3Q26 (y/y) 25
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Development of the goodie platform 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 4.64.1 4.1 Number of transactions made through the goodie cashback service Growth in key metrics for business clients to place and manage orders for goodie gift cards Number of users of the Return on Purchase service Increase y/y18% Launch of a self-service portal 26
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19,845 22,083 20,116 21,423 22,395 14,163 10,345 12,730 12,238 12,499 34,008 32,429 32,846 33,661 34,894 30/09/25 31/12/25 31/03/26 30/06/26 30/09/26 Term deposits Current accounts 27 Robust momentum in corporate financing maintained Total portfolio up 25% y/y, loans up 35% y/y, deposits up 3% y/y (term deposits down 12% y/y, C/As up 13% y/y). 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 growth at 25% y/y from its strong year-end 2025 pace. Quarterly slowdown due to factoring repayments. • Origination of loans in 3Q26 remained solid with new production in 9M26 at PLN8.3bn, up 25% y/y • New sales in leasing picked up visibly (+24% y/y) in 3Q26. Momentum remained strong in factoring, with 17% y/y growth in turnover in 3Q26. • Companies’ deposits grew 3% y/y with growth in C/A balances accelerating to 13% y/y +22% +25% +11% +13% +3% -12% 10,463 11,754 12,957 13,595 14,109 7,290 7,359 7,489 7,826 8,0732,917 3,117 3,410 4,191 3,56020,670 22,231 23,857 25,612 25,743 30/09/25 31/12/25 31/03/26 30/06/26 30/09/26 Factoring Leasing Loans +0.5% +35% +4%
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Corporate business on an upward trend 28 (*) The scope of the data presented has changed: historical presented figures also included the small business segment. 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 transfers*Volume of guarantees and letters of credit PLNmn PLNmn thousand +24% +17% +25% +1% +22% +14% 999 945 1,047 976 1,285 1,170 2,814 3,431 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 +22% 7,158 7,349 7,857 7,921 9,179 8,591 21,048 25,691 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 2,797 2,759 2,970 3,032 3,074 3,449 8,355 9,555 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26 7,309 7,180 7,583 7,224 7,333 7,284 21,925 21,840 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 9M25 9M26
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C O R P O R AT E B A N K I N G What’s new for enterprises and small enterprises New solutions supporting business growth and day-to-day operations Agromax Guarantee Loans We expanded our offer to include Agromax Guarantee Loans for companies in the agri-food sector, SMEs providing services to the agriculture and forestry sectors, as well as processors with large enterprise status, with the guarantee covering up to 80% of the loan amount. We offer Agromax-guaranteed loans in cooperation with BGK (Bank Gospodarstwa Krajowego). The guarantee is provided from the Agricultural Guarantees Fund Plus (FGR Plus) established under the Strategic Plan for the Common Agricultural Policy 2023-2027. KUKE Green Guarantee We introduced the KUKE green guarantee for working capital loans financing day-to-day business operations. Investmax Guarantee Loan for Small Enterprises To enhance the range of guarantees available for loan products for Small Enterprises, we introduced the BGK Investmax guarantee covering up to 80% of the loan amount. Thanks to the Investmax guarantee, the Bank does not require any additional tangible collateral for the loan. Changes to the Development Loan We increased the maximum amount of the Development Loan from PLN4mn to PLN8mn and extended the drawdown period to 3 months. Cash Deposit Machines We expanded the functionality of cash deposit machines. Clients can deposit cash not only in PLN, but also in EUR and USD. The service addresses the needs of companies conducting transactions in foreign currencies by providing secure, fast and automated booking of funds. 29
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BLIK payments launch Eligible users can pay with a code for online and in- store purchases and withdraw cash without a card. The company determines who uses the service, from which accounts and within what limits. Sealed cash withdrawals with delivery Millenet for Enterprises now supports digital orders for cash withdrawals with delivery. Clients can schedule deliveries to multiple locations, specify currencies and denominations, and place orders without paper forms or email correspondence. ISO 20022 in international transfers Corporate clients can now include more data in international transfers under ISO 20022. These changes increase payment transparency and support process automation in ERP and accounting systems. 98% 87% of loan agreements signed electronically 86% of guarantees were issued in the form of e-guarantees 79% of foreign exchange transactions concluded through the Millennium Forex Trader platform 44% of corporate clients use a mobile application of customers have access to the eBOK service On the eBOK website, customers can submit any matter related to their leasing agreement online, and the service is integrated with the Bank's online banking. Hybrid account opening for companies with one representative We have streamlined remote account opening. Limited liability companies can apply online and verify their identity via mObywatel. Clients choose whether to sign the agreement electronically or at a branch. Digital banking for business We are expanding online channels and digitising key corporate banking processes C O R P O R AT E B A N K I N G Leasing enquiry in Millenet for Enterprises We have introduced a form that enables customers to quickly express their interest in leasing financing. The enquiry is sent directly to a Millennium Leasing adviser, making it easier to contact the customer and shortening the process of preparing an offer. 30
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Appendices 3Q26/9M26 results 31
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Macroeconomic environment Brent crude oil prices and futures Energy commodity prices Data from the Polish economy % y/y ’’ Source: Bloomberg, Macrobond, Bank Millennium • The Polish economy proved resilient to higher energy prices and geopolitical uncertainty. In 3Q26, high inflation constrained household consumption growth. However, demand for durable goods remained solid, supported by accumulated savings and stable labour market conditions. Investment growth remained strong and broadly in line with the previous quarter. According to the Bank’s estimates, GDP growth stood at around 3.7% y/y in 3Q26, compared with 4.1% y/y in the previous quarter. USD/bbl ’’ • Economic sentiment in 3Q26 remained driven by geopolitical developments. Following the resumption of the conflict in the Persian Gulf, energy commodity exports from the region were again restricted, while prices remained highly volatile. By the end of September, oil exports had returned to pre-conflict levels. However, commodity prices remained elevated due to the persistent risk premium, higher transportation costs, and inventory rebuilding. • CPI inflation rose to 4.1% y/y in September 2026, mainly due to higher fuel prices. At the same time, core inflation declined to 3.1% y/y, indicating a limited pass-through of higher energy costs to the prices of other goods and services. 27.02.2026=100 4.5 -1.6 3.7 -10 -5 0 5 10 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 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 75 100 125 150 175 200 225 250 275 300 02/27 03/27 04/27 05/27 06/27 07/27 08/27 09/27 Gasoil Heating oil Gas TTF 20 40 60 80 100 120 Jan'25 Jul'25 Jan'26 Jul'26 Jan'27 Jul'27 2026-02-27 2026-06-30 2026-10-20 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 Unemployment rate and wage dynamics Forecasts ’’ Source: Macrobond, Ministry of Finance, Bank Millennium, F- forecast % ’’ • Geopolitical developments remain the main risk factor for the Bank’s macroeconomic scenario. Key risks include a further escalation of the conflict in the Middle East and renewed disruptions to energy commodity supplies. The materialisation of these risks could lead to higher energy and fuel prices, increased inflationary pressures, and weaker economic activity both in Poland and across the global economy. • The outlook for the Polish economy points to continued solid growth, with the deteriorating fiscal position remaining the key challenge, as it limits the scope for responding to potential economic shocks. • The Bank expects economic growth to remain solid in 4Q26. Investment, including projects co-financed by EU funds, will be an important driver of activity. Household consumption will remain a key source of GDP growth, supported by stable labour market conditions. Despite an improving export outlook, strong domestic demand will boost imports, meaning that net trade is unlikely to provide significant support to GDP growth. Economic growth is expected to slow in 2027 as the investment impulse fades, albeit without a significant deterioration in labour market conditions. 2024 2025 2026F GDP % 3.2 3.8 3.8 Individual consumption % 2.9 3.9 3.2 Investments % 0.4 4.9 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 4.35 USDPLN eop 4.10 3.60 3.81 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 fund inflows 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 -7.2 -7.1 -7.1-8 -7 -6 -5 -4 -3 -2 -1 0 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 F 2027 F 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 FX evolution EURIBOR 3M and market expectations % % Yields of Polish bonds WIBOR 3M and market expectations ’’ Source: Macrobond, LSEG Datastream, Bank Millennium ’’ • The MPC kept interest rates at 3.75% throughout 3Q26 despite the conflict in the Middle East. At the same time, the market increasingly priced in tighter monetary policy. As a result, government bond yields and IRS rates rose by ca. 100 bp across the curve. The move reflected a global bond sell-off driven by more hawkish expectations regarding the policies of major central banks. The market currently expects cumulative rate hikes of 100 bp in Poland by end-2027. In the Bank’s view, this pricing is too aggressive. The Bank assumes interest rates will remain unchanged at least until mid-2027, although the risk of rate hikes has increased significantly. • In 3Q26, the zloty continued to weaken against the euro. EUR/PLN rose to around 4.32 in July, remained broadly stable in August, and reached around 4.37 by quarter- end. The zloty was weighed down by the relatively dovish stance of NBP Governor A. Glapiński, weak global risk sentiment linked to high commodity prices, and a stronger dollar driven by more hawkish expectations for the Fed's rate path following a 25 bp hike in September (EUR/USD fell to 1.1350). The Bank expects EUR/PLN to remain within the 4.30-4.40 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 2 4 6 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 Jun/28 Dec/28 WIBOR 3M 20-Oct-26 30-Jun-26 31-Dec-25 3.87 -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 Jun/28 Dec/28 EURIBOR 3M 20-Oct-26 30-Jun-26 31-Dec-25 2.67 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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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 3Q26, the value of newly granted housing loans to households increased markedly, largely reflecting a rise in refinancing activity for existing mortgage loans. At the same time, demand for credit from non-financial corporations remained relatively stable, which may be associated with a stabilisation in the pace of investment growth in the corporate sector. • The value of deposits in the banking sector increased markedly in 3Q26. Household deposits rose by PLN 33 billion between June and September, while their annual growth rate accelerated to 10.8%. This reflected households’ still favourable income situation, relatively high interest rates, and an elevated propensity to save. Deposits of non-financial corporations also increased (+14.5% y/y), which may be linked to the strong financial position of the corporate sector. Credit growth accelerated as well, with lending to other financial institutions recording the strongest expansion. By contrast, the growth of credit volumes to households and non-financial corporations remained more stable. 11.8 10.8 14.5 -3 0 3 6 9 12 15 Total Households NFC 11.8 12.0 -3 0 3 6 9 12 15 Deposits Loans % y/y 7.2 8.0 6.9 10.7 -8 0 8 16 Households - mortgage loans Households - other loans NFC - investment loans NFC - other loans Growth rate of loans 23.4 11.4 0 5 10 15 20 25 Households NFC M A C R O E C O N O M I C E N V I R O N M E N T 35
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Bank Millennium’s shares gained 39% 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 shareholding structure (31.12.2025) +39% +48% No. of shares: 1 213 116 777 (listed 1 213 008 137). Listed: on the Warsaw Stock Exchange since August 1992 Indices: WIG, WIG 30, mWIG40, WIG Banks, MSCI Poland Tickers: ISIN PLBIG0000016, Bloomberg MIL PW, Reuters MILP.WA 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% 4% 14% 24% 34% 44% 54% 30/Dec/25 30/Jan/26 28/Feb/26 31/Mar/26 30/Apr/26 31/May/26 30/Jun/26 31/Jul/26 31/Aug/26 36 Increase 60% y/y
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Activities in the field of ESG Five projects of the Bank Millennium Group were featured in the report “Responsible Business in Poland 2025. Good Practices”, prepared by the Responsible Business Forum (FOB). The report “Responsible Business in Poland. Good Practices” is the largest review of corporate ESG and CSR initiatives in Poland. This year’s edition of the report presents 932 initiatives implemented by 263 companies. The Bank’s highlighted initiatives include: the report “Millennium Eco-Index: The Eco- Innovation Potential of Regions”, employee volunteering, long-term patronage of the Millennium Docs Against Gravity documentary film festival, the educational programme for children “Financial ABC”, and the annual Charity Auction. Five of the bank’s initiatives featured in the FOB Good Practice Report Bank Millennium expanded its offering for corporate customers to include green payment guarantees provided by KUKE. The new solution increases the availability of financing for day-to-day business operations of companies making a substantial contribution to climate change mitigation, with guarantees covering up to 80% of the loan amount. The guarantees are intended for companies whose revenues from the sale of products or services classified under so-called green categories accounted for more than 50% of their total net sales revenues in the previous financial year. As part of its cooperation with KUKE, the Bank’s offering also includes green guarantees supporting investments that make a substantial contribution to climate change mitigation. Green KUKE guarantees Bank Millennium is launching “CyberUważni” (CyberAware), a nationwide educational programme aimed at people aged 55 and over. The programme seeks to raise awareness of threats such as phishing, online fraud and data theft, while supporting seniors in the safe use of digital services. The programme includes educational and multimedia materials, as well as a series of workshops for at least 10,000 participants across Poland, with a particular focus on smaller towns and communities. The workshops will be delivered, among others, in cooperation with Universities of the Third Age and local organisations. The project is being developed in partnership with Nienudno.pl and Bank experts. Its launch was preceded by educational publications on cybersecurity for seniors prepared in cooperation with naTemat.pl. CyberAware – a digital self-defence course Bank Millennium joins POLSIF Bank Millennium joined the group of institutional members of Sustainable Investment Forum Poland (POLSIF), whose mission is to foster the development of the sustainable finance and responsible investment market in Poland. Bank Millennium also participated in the third edition of the Sustainable Finance Forum (POLSIF) as a Gold Partner of the event. Our expert, Magdalena Trzynadlowska, Director of the Sustainability Department, took part in the panel discussion “From Stability to Resilience: The Role of Banks in Financing a Sustainable Economy”, sharing the Bank’s experience and the financial sector’s perspective on sustainability-related challenges. 37
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The most important awards and achievements of Bank Millennium in 3Q26 Bank Millennium is the leader in digital banking in Poland. Seventeen Global Finance Awards 2026! Among the most important titles, Bank Millennium was named the Best Digital Bank in Poland for both individual and corporate clients. Prestigious Recognition for the Bank Millennium App The eSIM card purchase feature in the Bank Millennium app was recognised as one of the world's top financial innovations in Global Finance magazine's 2026 Innovators Awards. Bank Millennium is the best digital bank in Poland according to Euromoney Bank Millennium received Poland's Best Digital Bank for Consumers award in the Awards for Excellence 2026 competition organised by Euromoney magazine. Bank Millennium awarded in the ESG area Bank Millennium was honoured with two distinctions in the jubilee edition of the prestigious "ESG Ranking. Responsible Management" AW A R D S & A C H I E V E M E N T S 38
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(*) Cost of credit risk includes impairment provisions (at all stages), FV adjustment on loans, modification result 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 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Change Y/Y Change Q/Q Net interest income 1 448 1 446 1 438 1 390 1 387 1 483 3% 7% Net commission income 188 204 200 205 207 213 4% 3% Other non-interest income 112 99 133 71 47 -1 - - Operating income 1 749 1 749 1 771 1 666 1 642 1 696 -3% 3% General and administrative costs -547 -572 -602 -685 -573 -573 0% 0% Depreciation -55 -55 -57 -61 -67 -71 27% 5% Total operating costs -602 -627 -659 -746 -640 -643 3% 1% Net cost of credit risk* 6 -113 -57 -90 -51 -92 -19% 81% FX-mortgage legal risk costs -589 -485 -534 -226 -180 -178 -63% -1% Operating profit 564 524 521 605 771 783 49% 2% Banking tax -101 -101 -105 -102 -102 -106 5% 4% Pre-tax profit 463 424 415 502 668 677 60% 1% Income tax -132 -79 -69 -202 -261 -276 - 6% Net profit 331 345 347 301 408 400 16% -2% 39
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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 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 Change Y/Y Change Q/Q Cash and balances with the Central Bank 5 293 4 941 4 360 4 590 5 736 5 771 17% 1% Loans and advances to banks 545 499 351 516 402 439 -12% 9% Loans and advances to customers 74 112 74 619 76 416 78 249 81 198 82 605 11% 2% Amounts due from reverse repo trans. 407 583 99 2 286 261 1 322 127% - Debt securities 61 397 67 774 70 222 71 887 78 911 75 006 11% -5% Derivatives (for hedging and trading) 224 190 155 164 161 143 -25% -11% Shares and other financial instruments 203 233 236 237 232 231 -1% 0% Tangible and intangible fixed assets 1 127 1 132 1 167 1 157 1 147 1 165 3% 2% Other assets 2 539 2 606 2 667 2 812 2 646 2 539 -3% -4% Total assets 145 867 152 597 155 673 161 899 170 693 169 220 11% -1% Deposits and loans from banks 135 193 103 282 285 150 -22% -47% Deposits from customers 121 734 128 186 130 807 134 806 140 757 142 108 11% 1% Liabilities from repo transactions 1 133 0 5 0 6 -96% - Financial liabilities at fair value through P&L and hedging derivatives 682 788 271 179 136 213 -73% 56% Liabilities from securities issued 7 025 6 764 7 641 7 658 8 073 5 609 -17% -31% Provisions 3 545 3 600 3 747 3 537 3 382 3 110 -14% -8% Subordinated liabilities 1 561 1 556 1 558 1 552 3 703 3 737 140% 1% Other liabilities 2 868 2 658 2 421 3 175 3 071 2 949 11% -4% Total liabilities 137 551 143 878 146 548 151 195 159 408 157 882 10% -1% Total equity 8 316 8 718 9 126 10 704 11 285 11 339 30% 0% Total liabilities and equity 145 867 152 597 155 673 161 899 170 693 169 220 11% -1% 40
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Investor relations contacts NEXT EVENTS: 4Q26 preliminary results - TBD 2026 annual report - TBD Follow us: www.bankmillennium.pl YouTube channel @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 41