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Bank Millennium
Bank Millennium (MIL) investor relations material
Bank Millennium Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary9 Feb, 2026
Executive summary
Net profit for 2025 reached a record PLN 1,202 million, up 67% year-over-year, with ROE at 14.3% and strong asset quality, liquidity, and capital positions maintained.
Adjusted net profit excluding extraordinary items was PLN 3,222 million, up 1% year-over-year, with limited extraordinary items mainly related to FX-mortgage costs.
Active retail customer base grew to 3.27 million, with 94% digitally active, reflecting strong digitalization and customer acquisition.
The bank executed its 2025-28 strategy, surpassing key KPIs, including an NPL ratio below 4%.
Corporate loan volume increased by nearly PLN 3 billion year-over-year, with robust growth in business clients.
Financial highlights
Net interest income grew 4% year-over-year to PLN 5,756 million; NIM for the year was 4.01%.
Total operating income increased 6% year-over-year; operating costs rose 13%.
Cost-to-income ratio at 36.9% reported (35.8% adjusted); cost of credit risk at 30 basis points over total loans.
NPL ratio dropped to 3.8%, meeting the 2028 strategy target; coverage of NPLs by provisions increased to 78.9%.
Customer funds grew 14% year-over-year to PLN 146,274 million; deposits up 12%, loans up 2%.
Outlook and guidance
Expectation of continued strong customer and loan growth, with PLN mortgage portfolio targeted to grow by 3% in 2026.
NII expected to be resilient in 2026, though a drop is anticipated in Q1 due to interest rate cuts; NIM may decline to 3.5%.
Cost of risk likely to normalize to around 50 basis points over total loans.
FX mortgage-related costs expected to drop by more than 50% in 2026.
Dividend payments expected to resume in 2027 based on 2026 profits, with a payout ratio of 35%-50%.
Outlook for future FX-mortgage related costs?
Leverage liquidity surplus and improve L/D ratio?
Sustain profitability amidst NIM contraction?
Target for 2026 FX mortgage costs
NII resilience drivers given NIM compression
Drivers for 2026 cost of risk increase
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Next Bank Millennium earnings date
Q1 202628 Apr, 2026
Bank Millennium
Next Bank Millennium earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
Bank Millennium S.A. is a Polish commercial bank that offers a broad range of financial services to individuals, businesses, and institutions. The bank provides various products including personal and business accounts, payment cards, loans, mortgages, savings accounts, and investment products. Additionally, Bank Millennium offers services such as internet banking, mobile banking, and brokerage services. It also engages in wealth management, real estate management, and capital market advisory services. The company is headquartered in Warsaw, Poland, and its shares are listed on the Warsaw Stock Exchange.
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