Bank Millennium Income Statement

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

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	7,216	7,326	8,436	5,000	2,739
Interest Income on Investments	1,909	1,500	3.43	3.8	52.4
Total Interest Income	9,125	8,827	8,439	5,004	2,792
Interest Paid on Deposits	3,365	3,293	3,182	1,663	125.25
Net Interest Income	5,760	5,534	5,257	3,341	2,667
Net Interest Income Growth (YoY)	4.09%	5.26%	57.34%	25.29%	3.09%
Income From Trading Activities	24.27	-7.21	48.42	-0.31	-8.97
Gain (Loss) on Sale of Assets	47.17	30.04	19.95	4.1	-1.73
Gain (Loss) on Sale of Investments	85.02	17.15	551.28	23.09	135.08
Other Non-Interest Income	1,339	1,335	1,130	852.84	843.93
Total Non-Interest Income	1,496	1,375	1,750	879.72	968.31
Non-Interest Income Growth (YoY)	8.76%	-21.41%	98.91%	-9.15%	-18.22%
Revenues Before Loan Losses	7,256	6,909	7,007	4,221	3,635
Provision for Loan Losses	228.92	304.53	262.48	342.03	276.61
Revenue	7,027	6,604	6,744	3,879	3,358
Revenue Growth (YoY)	6.40%	-2.08%	73.88%	15.50%	4.50%
Occupancy Expenses	224.38	226.19	211.52	208.92	193.5
Selling, General & Administrative	2,280	1,981	1,738	1,845	1,348
Other Non-Interest Expense	705.47	662.6	386.96	510.52	445.33
Total Non-Interest Expense	3,209	2,870	2,336	2,565	1,986
EBT Excluding Unusual Items	3,817	3,734	4,408	1,314	1,372
Legal Settlements	-2,104	-2,850	-3,065	-2,017	-2,307
Other Unusual Items	-93.13	-8.91	-30.21	-27.33	-112.73
Pretax Income	1,620	875.02	1,312	-730.76	-1,048
Income Tax Expense	417.98	155.82	736.77	283.81	309.51
Net Income	1,202	719.21	575.72	-1,015	-1,357
Net Income to Common	1,202	719.21	575.72	-1,015	-1,357
Net Income Growth	67.10%	24.92%	-	-	-
Basic Shares Outstanding	1,213	1,213	1,213	1,213	1,213
Diluted Shares Outstanding	1,213	1,213	1,213	1,213	1,213
EPS (Basic)	0.99	0.59	0.47	-0.84	-1.12
EPS (Diluted)	0.99	0.59	0.47	-0.84	-1.12
EPS Growth	67.10%	26.14%	-	-	-
Effective Tax Rate	25.80%	17.81%	56.14%	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.