Bank Millennium Income Statement

Financials in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	8,919	8,823	8,436	5,000	2,739	2,705
Interest Income on Investments	269	3.63	3.43	3.8	52.4	425.59
Total Interest Income	9,188	8,827	8,439	5,004	2,792	3,130
Interest Paid on Deposits	3,361	3,293	3,182	1,663	125.25	543.52
Net Interest Income	5,827	5,534	5,257	3,341	2,667	2,587
Net Interest Income Growth (YoY)	9.69%	5.26%	57.34%	25.29%	3.09%	6.01%
Income From Trading Activities	15.49	-7.21	48.42	-0.31	-8.97	13.44
Gain (Loss) on Sale of Assets	30.04	30.04	19.95	4.1	-1.73	5.93
Gain (Loss) on Sale of Investments	60.08	17.15	551.28	23.09	135.08	166.66
Other Non-Interest Income	957.37	931.76	1,130	852.84	843.93	997.96
Total Non-Interest Income	1,063	971.75	1,750	879.72	968.31	1,184
Non-Interest Income Growth (YoY)	-33.79%	-44.47%	98.91%	-9.15%	-18.22%	8.65%
Revenues Before Loan Losses	6,890	6,505	7,007	4,221	3,635	3,771
Provision for Loan Losses	146.37	271.08	262.48	342.03	276.61	556.91
Revenue	6,744	6,234	6,744	3,879	3,358	3,214
Revenue Growth (YoY)	2.87%	-7.56%	73.88%	15.50%	4.50%	2.77%
Occupancy Expenses	226.1	226.19	211.52	208.92	193.5	210.41
Selling, General & Administrative	2,220	1,981	1,738	1,845	1,348	1,512
Other Non-Interest Expense	1,147	963.8	386.96	510.52	445.33	406.82
Total Non-Interest Expense	3,593	3,171	2,336	2,565	1,986	2,130
EBT Excluding Unusual Items	3,151	3,063	4,408	1,314	1,372	1,084
Asset Writedown	-7.75	-	-	-	-	-
Legal Settlements	-1,619	-2,179	-3,065	-2,017	-2,307	-856.05
Other Unusual Items	-8.91	-8.91	-30.21	-27.33	-112.73	-17.22
Pretax Income	1,516	875.02	1,312	-730.76	-1,048	210.94
Income Tax Expense	487.86	155.82	736.77	283.81	309.51	188.12
Net Income	1,028	719.21	575.72	-1,015	-1,357	22.82
Net Income to Common	1,028	719.21	575.72	-1,015	-1,357	22.82
Net Income Growth	55.30%	24.92%	-	-	-	-95.93%
Basic Shares Outstanding	1,213	1,213	1,213	1,213	1,213	1,213
Diluted Shares Outstanding	1,213	1,213	1,213	1,213	1,213	1,213
EPS (Basic)	0.85	0.59	0.47	-0.84	-1.12	0.02
EPS (Diluted)	0.85	0.59	0.47	-0.84	-1.12	0.02
EPS Growth	56.89%	25.53%	-	-	-	-95.91%
Effective Tax Rate	32.19%	17.81%	56.14%	-	-	89.18%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.